First, we used Massachusetts as a lab rat for health care reform. Look how that turned out: the program went bankrupt and many doctors fled the state. We also had many warnings from Europe and Canada. Canada implemented the same kind of "single-payer system" and look where that got them, the same situation Massachusetts is in. Even though we were warned, America voted for President Obama whose political agenda revolved around this topic and now our government has taken several more steps in invading medicine.

I just don’t understand any of this. My father is a doctor and I have seen what this health care system is like from his time in the military. For instance, the doctors in the military get paid the same amount no matter how many extra hours worked or how many surgeries were performed in that time, so the doctors and surgeons lose the incentive to work harder and in fact, seem to work less. I have also worked at an Ophthalmologist clinic and Optic shop for two years and I have been to an Ophthalmologist convention and saw proof of what was to come.
Ezz- The insurance companies have to stay afloat somehow. Remember, the insurance companies are competing with the government and the government’s help is free of charge to most. Also, see this: http://smartgirlnation.com/2009/06/popular-ranking-unfairly-misrepresents-the-us-health-care-system/.

Firstname Lastname- Don’t assume things that were clearly not stated or implied within my question. Also, if your medicine was not covered on medicare before, why didn’t you switch to a more reliable insurance?

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I was default for several months on all my bills. Then i was delinquent. After that the credit card companies started calling 20 times a day to my house. I still did not pay. Then a collection agency was involved and they too did that boring stuff of excessive callings and mailings. Finally the collection agency sent the debt to "debt buyers". The debt buyers also played the same role of excessive phone calls and letters asking to pay bill. However I still did not pay anything.

Then the debt buyer sold the debt to another debt buyer. Finally it reached the lawsuit stage and I still don’t care to pay anything. I showed up at the court and demanded proof the debt is mine (even though i knew its mine). The creditor lawyer did not bring any paperwork so a new court date was set 3 months later.

In those 3 months the debt buyers again called and called and mailed lot of bills. But i still didn’t pay anything. Then just 1 day before the court date, i filed chapter 7 bankruptcy protection.

So my question is what was the point of debt buyers buying my debt and harassing me when i ended up filing bankruptcy. What will debt buyer do now? will they sell it again to another debt buyer? I don’t quite understand whats the purpose of their role?

Technorati Tags: bankruptcy protection, callings, chapter 7 bankruptcy, credit card companies, creditor lawyer, debt buyer, debt buyers, filing bankruptcy, paperwork, phone calls, proof

I am about to take a state licensing exam, and for some pathetic reason I need to provide proof that I filed and that all debt has been discharged. I have no CLUE how to get this – do I request it from the court? Can I get it online? (it IS public record isn’t it?) My a$#@*hole attorney isnt returning my calls so Im on my own. Someone please help!

Technorati Tags: clue, proof, public record, state licensing

There are no Children in our relationship. I recently found out that my wife of 10 years committed adultery with a roommate we had living with us. I want for us to overcome this problem and other smaller problems within our marriage. I already forgave her for her intercession. After I found out about her infidelity, I went to a men’s retreat, and have become a reborn Christian. I have never cheated on my marriage vows and still hold these vows sacred even after all that has happened, I Love my wife and want her back. I have written to her 5 pages of my faults in our marriage, and have asked for forgiveness for my faults. She says that I am forgiven from her lips but her heart says otherwise. I know that I have the biblical right to divorce her, but this is not what I want, I want to work with her in mending our marriage. However, she will not stop taking phone calls from her lover, we have been separated for a month now (not my decision) and I believe that she (although I don’t have proof) living with him. Because she will not talk to me, I don’t even know where she is living. (Don’t judge me here I have my reasons). She insists that she is going to file for divorce… so if the bible says I have the right to divorce her, I can, but this is not what I want. The bible also says that God hates divorce, and to do all things possible to mend the marriage. This is what I want but she does not want any part of it. I have forgiven her, and have treated her with respect as my family has, and she continues to treat us like garbage. So I ask again how do you help an unrepentant adulteress find Gods Light and Love????? Should I divorce her, or should I let her file for the divorce? When do you take off your wedding band, when the vow is broken, or when the divorce is finalized? Since we are not living together at the moment and I have lost everything in my life and yes I do mean everything, my wife, my home, my job, my business, having to declare bankruptcy, and some serious medical problems. I have found that God did not turn his back on me rather I turned my back on him for many years. I am now rediscovering who I am and I am taking steps to better myself. But what do I do about her???????

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I bought a spa online. I paid this company for the spa and the freight charges. Evidently this company never paid the trucking company who subsequently filed bankruptcy. Now the trucking company is stating since we benefited from the transportation they have billed me for the freight charges. The company I bought the spa from said "just ignore it" Not happy with this company as they have not provided proof they paid the freight charges to this Trucking company. What is my legal obligations here?

Technorati Tags: bankruptcy, legal obligations, proof, spa, trucking company

I filed chapter 7 bankruptcy protection on April 20, 2010. Every single creditor was notified of the filing, including the creditor being represented by NCO financial. Despite this NCO financial engaged in very harassing and nasty behavior. When I did not pick up the phone, they never left any message and hung up. They used different phone number each time to do that. When I called them back, I kept getting a message, "Please hold. All our lines are very busy". I kept holding for almost 20 minutes and this same message was repeated.

I hung up. Then i called back again and was put on hold for a very long time. A rude man came on the line saying I have to pay 0 immediately and it must be resolved right now. I said I filed chapter 7 bankruptcy protection. He said he needed proof that I filed it and will not go by my word, so I must pay. I hung up.

Then 20 minutes later another call from NCO financial came where they left no message. By now I found my bankruptcy case number. I called them back and was again put for a long hold. Then i told the agent (this time it was another rude man) i filed chapter 7 and have case number too.

After telling him the case number he responded, "we still have to verify this. its not enough. what is the phone number and address of your lawyer?" I gave them the address and phone number of my lawyer. Then he asked, "what is the zip code of the office". I said, "i’m sorry I can’t recall the zip code but you can check it on google"

He then said, "you are not complying and we will call again". By then I hung up the phone being fed up.
he made zip code a big issue. This was cruel on his part.

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note: I have always paid my child support. the reason I owe back child support is because the state of Wash closed the case. she was not accepting the checks.they even sent money back to me.4 years later she decided she wants the money.now I owe back support? They closed the case not me,i was paying.also,i have no contact with my son. I devorced this person because she was a thief and a drug addict.
update:the court gave her costody because there was no proof of her being a drug addict and thief.

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The mortgage is in good standing but its not reporting to the credit agencies. If I have proof of payments to the mortgage company is it necessary to try and get added to the credit reports by reopening the case and filing the reaffirmation? My credit is already shot for 7-10 years because of the BK.

Technorati Tags: 10 years, bk, credit agencies, credit reports, mortgage company, proof, reaffirmation