I was rear ended by another driver and my case has not been settled even though about 18 months have gone by. The other driver admitted fault, I had physical therapy and back injections and still have pain plus trouble with regular bowel movements (I suffered two badly herniated discs, an annular fissure, and sprained neck). My lawyer had me come in to his office, he said to make a statement, but when I got there, he told me my case was being investigated for fraud. Since then, the other driver’s insurance company has only offered me 10k to settle the case and my medical bills are over 120k. First, how did my lawyer mess up what should have been an easily winnable case? Second, I’ve had to sign away 40% of my settlement to the lawyer that messed up my case, plus 50% of my settlement to the new lawyer I hired, so I don’t know if I will have enough to pay my medical bills, should I prepare to file bankruptcy?

Technorati Tags: annular fissure, bankruptcy, bowel movements, fraud, insurance, insurance company, lawyer, medical bills, physical therapy

I have a k car note debt on its way to an attorney for a court hearing in the near future. I haven’t been subpoenaed yet. I have k in medical bills getting the run around from my health insurance and another -k that hasn’t even been filed yet by the doctor but may also be denied.

I can’t afford to have a court garnish my wages a single cent for the car note but can’t file for bankruptcy protection just yet because I’m waiting on the insurance company to either pay or deny. Until then, I won’t get a bill to put on my bankruptcy forms. Also, the other doctors haven’t filed their claims yet. They have up to six months to file a claim and it’s only been 30 days since my surgery.

Bottom line: it would be a waste to file bankruptcy right now over 11k when I have almost 100k coming up in the next few months. What can I do? After I get the subpoena I plan to just file on whatever I have and then hope for the best with the rest. Is that even possible? Are you allowed to file on something that is currently going through litigation?

Technorati Tags: bankruptcy forms, bankruptcy protection, bottom line, court hearing, doctors, hasn, health insurance, insurance, insurance company, litigation, medical bills, six months, subpoena, wages

I have a k car note debt on its way to an attorney for a court hearing in the near future. I haven’t been subpoenaed yet. I have k in medical bills getting the run around from my health insurance and another -k that hasn’t even been filed yet by the doctor but may also be denied.

I can’t afford to have a court garnish my wages a single cent for the car note but can’t file for bankruptcy protection just yet because I’m waiting on the insurance company to either pay or deny. Until then, I won’t get a bill to put on my bankruptcy forms. Also, the other doctors haven’t filed their claims yet. They have up to six months to file a claim and it’s only been 30 days since my surgery.

Bottom line: it would be a waste to file bankruptcy right now over 11k when I have almost 100k coming up in the next few months. What can I do? After I get the subpoena I plan to just file on whatever I have and then hope for the best with the rest. Is that even possible? Are you allowed to file on something that is currently going through litigation?

Technorati Tags: bankruptcy forms, bankruptcy protection, bottom line, court hearing, doctors, hasn, health insurance, insurance, insurance company, litigation, medical bills, six months, subpoena, wages

I would like to know if my husband should file a complaint to the Labor Department, because of his boss… abusive behaviour; until a year ago… his boss was paying him a salary that was of $ 800.00 at the beguining to $ 1,000 dollars weekly, actually, this fixed salary was on for ten years, and now the boss…simply decided to stop paying this ‘fixed’ salary (currently 1,000 per week) blaming the national financial crisis, and put my husban on ‘commision’ for the cars he is able to fix…. in a week, the problem is some times he gives a car only 100 dollars of labor.. or only 20 hours of labor, and do not show the insurance company stimates on the cars, … and my husband ends up working the whole week (more than 40 hours) plus the saturdays too!.. just to earn 350.00 dollars!!! we are getting in bankruptcy soon because of this, this is a loss of more than 600.00 dollars… per week, and we can’t go on like this; the truth is he is working the same an even more hours… but he earns only 350.00 or 400.00 every week! this is after the change in the payment method from a fixed salary to ‘comission’, and I think it was a way of stealing his money!!. My husband is getting old and the boss is trying to abuse him by stealing him the money of salary. Besides the boss (mananger of car repai shop) blames the financial crisis for this change.. but he employed more people! and work production seems the same.. no less. My husband have been working in there for almost 14 years. My question is: Could he ’sue’ his boss… for discrimination, I think this discrimination is because of course my husband is not as young as he was when he started in this job of car repair technnician. He is certified technician… has to paid to his certification classes every year, and pays by himself a lot for tools.. and earning 350.00 per week is absurd!~… he hasen’t leave because first we want to know his rights.. but don’t know where to go. Also the boss cancelled his vacation week and said to him won’t paid the one vacation week.. my husband for many many years …usually had. No medical insurance. Nothing. WHere can he complaint??? can he sue his boss for abusively….. changing the conditions of payment and vacations?.
Thank Judith, yes I know he should start looking for a new job, the point is does he still have any rights to claim something legally.. despite there is not contract at all… I mean because we have civil rights I guess.. he has been discriminated because his age, he is not as young as 14 years ago when he started in that job… so of course he is not as productive as when younger. He never agree to the change of method of payment, he is pist off they cancelled his salary…. how can a company do this?.. there are not civil rights for employees?

Technorati Tags: abusive behaviour, bankruptcy, boss, car repair, cars, certification classes, discrimination, financial crisis, husban, insurance, insurance company, job, labor department, mananger, money, salary, saturdays, stimates, truth

Can someone sue me personally if they were injured during my work with a company vehicle and already got a settlement from my company for damages they said they had? Question is my company paid someone for alleged damages sustained to them and their vehicle now they’re wanting to sue me for attendant care etc when they got a scratch on them and already received money(s) from my work. Or do they have to go thru my work, The letter said "please give this to your insurance company immediately"so i gave it to my work since I am covered on their insurance when using their vehicles since I drive for a living. Plus I am in the middle of filing bankruptcy so should I tell my lawyer about this also ?

Technorati Tags: attendant care, company vehicle, damages, filing bankruptcy, insurance, insurance company, lawyer, money, scratch

Hey everybody,

I’ll be 23 in a few months. I’ve already been married & we bought a house [but due to a pipe busting in the winter & causing a ton of mold & then five trees falling on the house in a wind storm that the insurance company did not want to fix], the home ended up going into foreclosure. The loan was not in my name, however my name was on the deed. I’m not married anymore & the last time I checked my credit, the house did not show up but, I think that was before it was actually foreclosed on.

He & I have two credit cards [probably 00 of debt total] that I have to pay half off of [so, about 00 right there.]
Then I have a Kohls & Macys card [about 0 total].
Then I have three other items that are not credit cards that come to about ,050.

Total, I have just a little under ,000 worth of debt which I know doesn’t seem like much but, after I deduct all my bills, I don’t have much money left. Things keep popping up left & right like medical expenses & tires for the car, etc & whenever I think I’m starting to get ahead, I end up even further in debt. I already have two jobs, I already save as much money as I can. Every bit of debt that I have has already gone to collection agencies so I can’t go online & pay on anything.

I’m just wondering if [since my credit is already horrible] I should just file for bankruptcy. If I did, would the foreclosure still show up [assuming that has affected my credit]? Would it be easier to rebuild my credit after bankruptcy or repair it by paying everything off? If bankruptcy is my best option, how long will it affect me? Will I be able to rent an apartment? What if a few years from now, I want to buy a house or condo? If bankruptcy is not my best option, is there any programs that aren’t scams that I could use to consolidate or something? Not sure if this makes a difference but, I do have a 2007 car that I bought brand new. I have three years left of payments & I’m current on it. I’m thinking about trading it in for a vehicle with AWD.

Serious answers only please. I’m trying to figure out what steps that will help me further myself faster. Thanks in advance.

Technorati Tags: amp, apartment, collection agencies, credit after bankruptcy, credit cards, foreclosure, insurance, insurance company, jobs, kohls, last time, medical expenses, mold, scams, tires, trees, wind storm

I have found many hosting companies, like X-Drive, that offer online file backup. what I want is a guarantee, by, say, a major insurance company, that insures that if a company goes out of business or files for bankruptcy, the files would not get lost.

this should be offered, but it seems none of the major file storage sites bother either offering such a guarantee, or fail to mention it in the FAQ or promotional material.

Thanks!

Technorati Tags: bankruptcy, file storage, hosting companies, insurance, insurance company, major insurance, material thanks, promotional material, x drive

When we filed for bankruptcy last year, our bankruptcy attorney asked us if we had any pending lawsuits. We replied with a yes, as I had to hire a personal injury lawyer cause of a car accident we were in. We were forced to get a lawyer because of the extensive medical bills…the insurance company of the at-fault driver refused to pay any of our bills…my medical bills were over ,000 & growing with my treatment and Dr’s. didn’t know when I’d be finished receiving treatment. With us already paying some of the bills out of pocket, it got to the point were forced into bankruptcy….there was no other way. We were told by the trustee and our bankruptcy lawyer that all monies received from the personal injury case would have to be applied toward the creditors in the bankruptcy. So in the end…these are the figures…
P.I. lawsuit total: ,000+.
P.I. lawyer got his cut: ,000+.
Leaving ,000+ to creditors. Could we have lied & gotten all of the ,000 w/out getting caught

Technorati Tags: amp, bankruptcy attorney, bankruptcy lawyer, car accident, creditors, insurance, insurance company, medical bills, monies, pending lawsuits, personal injury case, personal injury lawyer, trustee

I was in a car accident in july, but have no idea how long the settlement will take. The guy that hit us had no insurance, so my lawyer said i half to sue my own insurance company. If i file for chapter 7 bankruptcy can they take my entire settlement? It will cost 1100 bucks to file for bankruptcy, which i will half to make payments on. If i get my settlement before im done paying for bankruptcy, can they still take it? Is there anything i can do??

Technorati Tags: car accident, chapter 7 bankruptcy, insurance, insurance company, lawyer, own insurance

I had a wreck awhile back and i’m being sued. Am I going to owe money or will my insurance company cover it? and should I file bankruptcy? I’ve heard that somewhere also…and will i ever be able to get insurance?
i had full coverage if that matters

Technorati Tags: full coverage, insurance, insurance company, money, should I file bankruptcy

I refinanced my house through Ocwen in 2002 just before a major surgery to help with cost that I knew I would incur during the no work time. They told me one thing on the phone and when it came to signing, the paper work was nothing like what they offered me on the phone, but at the time is was only one week before surgery so I went ahead and signed. Since then I struggled and finally last year I was able to pay off my 2nd mortgage and all credit cards. The only bill left was the mortgage, since I paid off my vehicle the year before. November of last year I was in a bad car accident that totaled my vehicle. After receiving the check from the insurance company I purchased a used 2008 Dodge Advenger for 15,000 with 6,500 down on a 36 month loan. (Trying to stay debt free). Well December comes in and on the 2nd I was informed that layoffs would begin that week and sure enough two days later I got the call not to come in. This was a big surprise, since my company received records profits just the quarter before. Anyway I feel really bad, but I just cannot handle the mortgage payments anymore and I have tried everything to get the mortgage company to do something. They say I do not make enough for them to be able to help me. I am currently spending three hundred every month more than I am bringing in. My savings is now gone and starting to use credit cards again. And at this point I have a good chance of getting a job outside of Michigan, but if I do get the Obama modification I have to stay here with no hope of a job. Things just look worse at my company each month.
Will I be able to keep the car even though there is some equity in it? And can I let the house go this way with no reprecussions? I feel bad, but I also feel they took advantage of me when I was in a bad situation. And I have had the house on the market for over three years with not even a glimmer of hope. Thanks in advance for any and all advice. For those who like to talk down about people that file bankruptcy I pray you never find yourself in this situation. Current situation:

House owed 99,500 value about 105,000
Car owed 7,000 value about 15,000 (kbb)

Technorati Tags: 2008 dodge advenger, bad car, bad situation, bankruptcy, car accident, credit cards, dodge, getting a job, glimmer of hope, good chance, insurance company, layoffs, major surgery, mortgage company, mortgage payments, ocwen, profits, reprecussions, thanks in advance, work time

Can you file Bankruptcy without an attorney? Please do not say "Pay your bills". The bankruptcy is due to an anormous amount of surgery/ doctor bills that the insurance company came back almost a year later and denied after turning in form after form. It is a long story.

Serious Answers ONLY please and if you don’t have an answer please don’t answer at all. I just need the answer to the question, just a yes or no. I know it is better with an attorney. I just did not know if you can without one.

Technorati Tags: bankruptcy, doctor bills, insurance, insurance company, surgery doctor