I am trying to figure out which route to go. I owe over 30 Thousand in debt and at the moment I don’t own any property besides a car I bought for ,000 a year ago (1997 Chevy) I don’t have a job currently due to be laid off and on unemployment. I due have income tax which is about 2000 (The lawyer I talked to is charging 1000 + 300 in court fees) so that would be all my money… How hard is it going the paralegal way? Is it a for sure thing my bankruptcy will go through? Is the lawyer a better choice? need help!?

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Seeing as to how Obamacare is heavily debated and let’s be honest the GOP haven’t put a viable alternative so what are your thoughts on some reform

What should be the main goal of health reform in the US, should it Decrease the cost of health care, Improve the quality of health care, Improve the access to health care or make most Americans receive at least basic free public care. What would it be like for the US if an Australian system like the Medicare service is implemented where all taxpayers pay a 1.5% income tax levy (with exceptions for low-income earners), an additional levy of 1% is imposed on high-income earners without private health insurance. There is also a private health system where people pay for health insurance to go to a private hospital if they wish for quicker service. Bankruptcies from lack of funds to pay for medical bills is the largest reason for personal bankruptcies in the US accounting for over 60 % of all bankruptcies, while in Australia it is almost negligible.

Check out these videos for some information:

http://www.newscientist.com/articlevideo/dn17512/30590602001-the-scientific-arguments-for-us-healthcare-reform.html

So what do you guys think?

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Okay so I live in Australia, and we’ve had free public healthcare for ages. Its really good quality, you get more services than private healthcare. Although waiting times are longer.

The majority of the Australian population is on the public healthcare system, Im on it, My family has health insurance though.

But Im not entirely fussed about my healthcare, I just want to know that if I get run over by a car, Ill be taken to hospital, fixed up and that’s it.

But in our medicare levy, if you have private healthcare, you don’t have to pay taxes for public healthcare.

But its only 1.5% of your income tax to pay for, 1.5% is HARDLY anything.

And you don’t even have to pay for it if you already have private healthcare.

http://en.wikipedia.org/wiki/Medicare_(Australia)#Program_funding

1.5% thats hardly anything! Expecially if it means poor people don’t have to die from lack of healthcare, or go bankrupt.
You DONT have to pay for public healthcare if you get private healthcare.

I dont think 1.5% is much.
@Good for Australia. But this is America and we don’t want government run anything. We like having choices and competition. That is what free people do. When the government starts making choices for you, those freedoms are taken.

Your gun laws are a great example.
_____________

Our gun laws are an amazing example, You have a 5x lower chance of being shot and murdered in Australia than you do in the USA.

http://en.wikipedia.org/wiki/Gun_violence#Homicides_by_country

Australia –

% homicides with firearms – 16%

Firearm homicide rate
per 100,000 pop – 0.31%.

USA

% homicides with firearms – 65%

Firearm homicide rate
per 100,000 pop – 2.97%

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Me and my Husband both have horrible credit, due to poor choices made a few years ago. Times got really hard and I just had to let things go. Times are not the best, but I am learning how to better jude money, something I had no idea how to do when I first got on my own.

I have two credit cards in collection,3 light bills, 3 cell phone bills, 1 cable bill

My husband has 1 credit card, and a bunch of medical bills

We have 1 loan now that we have been trying to pay on since we let everything go. We are so far behind on the loan, we gave them 650.00 of income tax… didn’t catch us up and intrest is killing us big time. Also unable to pay the full amount each month
the only thing in good standing is my car, and thats been real hard to do and its never on time.

So the loan is my main thing, I have no idea what to do about it, and I feel like I can never catch up

what should I do?
to guy # 2 no i don’t think that is hard, I already do all of that, and I actually have a prepaid cell phone with NO MINS. My house gets paid first, then my lights, then my car ins and then my car note, and then I buy food. Yall don’t understand I have learned my lesson, and I do budget my MONEY. however money is very TIGHT right now !
and to getting a sencond job, thats impossible. My husband already works 10 hours a day and is gone for 14 (driving time ) and he is almost disabled due to a back injury. I work as much as I can but due to babysiter issues can only work so much
BY THE WAY :

I asked if I should File Bankruptcy

NOT what to do to get out of debt, Because I know how to try and its NOT WORKING ! ! !

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