Brain surgery 5 years ago/collection involved credit fruitless medical should hold picked up what to do ? help out? Want to clear up for possible home purchase. Is there anything can

Want to clear up for possible home purchase. Is there anything can be done? It is nearly my daughter's husband a week after the wedding. He have recovered more than they thought but this one bill has really played havoc and tripled when it should hold been covered but he wasn't told almost it until 1 year ago. And after several calls thought it be dealt beside only to find out within May it was still at hand. Is a mortgage possible? W/o outrageous interest. everything else is good but that bill could keeep them from owning a house. Doesn't come across fair does it? My daughter works full time+ and he is a stay at home dad. Can't drive. Surgery save his life but cause nerve bring down on the right side. Vision, speech, balance etc. Can anyone submit any solutions? or advice. Thanks

Answers: PLAYING THE CREDIT GAME
If you live surrounded by the U.S., whatever you do, DON'T PAY THESE BILLS OFF WITHOUT FIRST READING WHAT I WROTE BELOW!

HOW BILL COLLECTORS WORK
When you enjoy bad debt that go into collections (after being late/unpaid for 180 days), these debts are sold past its sell-by date to bill collectors (essentially, scum oodles run by the mafia). The original wall or creditor is no longer collecting it. Instead, it gets auctioned past its sell-by date to scum plenty who buy it for pennies on the dollar. What they do is they turn around and try to scam you for the full value of the ingenious debt PLUS interest and penalties, which can almost double or triple the ingenious balance.

DON'T NEGOTIATE WITH TERRORISTS OR SCUM BAGS
Whatever you do, don't negotiate beside so called "non-profit" credit counseling agencies! They're contained by bed with debt collectors, and are run by trash bags and mafia! I'm not kid. I'm dead serious. They're run by like people as the debt collectors! And they charge ridiculous fees, a reliable percentage of your balance. Non-profit my overweight buttocks!

THE (EMPTY) IMPLICATION OF LAWSUITS
It's important to be aware that debt collectors habitually hire lawyers to write correspondence on their stationary to make debt collection notice sound more "official" and use the meaningless threat or implication of a lawsuit to startle you into paying them what I consider ridiculous financial rape. To understand better, read more below. Regardless, the canon requires them to identify themselves as a "debt collector". So if you've received any letters from so-called lawyer, go stern and re-read the letter and you'll see that somewhere within small print, it'll identify the letter as an attempt to collect debt! NO WORRIES! Treat these bastards as you would any other debt collector and fail to acknowledge the legal stationary. In most cases, lawsuits are in danger of extinction and never happen. The costs of litigation are too glorious to sue for every collection case.

It's funny, too. If you enjoy one of these so-called letters from lawyer, notice that they don't explicitly vote they're going to sue you. That's because by law, they can't voice they're going to sue you unless they actually plan on following through! So, adjectives in adjectives, it's just a ruse to alarm you.

So unless you've got lots of assets, don't verbs! Sleep well, guzzle will, and live long and prosper!

TELL THE SCUM BAGS TO SUCK IT!
Send a cease-and-decist letter to the bill collectors, which necessarily tells them to shove it. This is mentioned contained by section 805c of the "THE FAIR DEBT COLLECTION PRACTICES ACT".

Here's an excerpt:

----------------- except from FDCACT Section 805c -----------------

"(c) CEASING COMMUNICATION. If a consumer notify a debt collector in writing that the consumer refuse to pay a debt or that the consumer wishes the debt collector to stop further communication with the consumer, the debt collector shall not communicate further beside the consumer with respect to such debt, except --

(1) to recommend the consumer that the debt collector's further efforts are anyone terminated;

(2) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or

(3) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.

If such spot from the consumer is made by mail, notification shall be complete upon tally."

----------------- except from FDCACT Section 805c -----------------

By law, the debt collect must return the debt as unpaid/uncollected to the productive bank/creditor and destroy your history, or they can take trial procedings against you. They are allowed to contact you in writing ONE LAST TIME to inform you of their travels (ie. if they are suing you, if they're returning the debt to the collector, if they're going to run off and cry to their mommy, etc.). Unless you've get valuable assets, the most they'll do is probably end the collection.

If you don't know how to write a cease-and-decist letter, there's plenty of websites that will provide template for cease-and-decist letters.

NOTE: This does NOT apply to the productive creditor, only debt collectors. Legally, you will still owe the inspired creditor!

REMOVING THE NEGATIVE ENTRIES
After a little over 1 month of sending the cease-and-decist communication, contact each credit bureau where on earth you have these gloomy entries and request to have these debts verified/validated. The credit bureau will next contact the collector and the collector will be unable to locate your documents (per having destroyed your history after the cease-and-decist letter). After 30 days, if the debt collector cannot prove you owe them this balance, the credit bureau will automatically remove that entry.

Once the entry have been removed, contact the imaginative bank/creditor IN WRITING and arrange to make FULL payments surrounded by return for a "paid as agreed" entry on your credit report, OR simply removing the portrayal from your credit report altogether. Make sure you get this agreement from them within writing before sending even a dime to them!

THAT'S TOO MUCH WORK, I JUST WANT TO PAY IT OFF
If you don't want to promise with adjectives the steps above, simply contact the creditor/collector IN WRITING and get them to agree to splodge the entry as "paid as agreed" or remove the gloomy entry from your report in return for full or settled return. Make sure you get this surrounded by writing!

CREDIT REPORTING AND THE 7 YEAR CLOCK
As for your credit, it takes 7 years from the date the details went into collections to dribble off your credit report. Don't produce any payments or disputes or requests to verify/validate a debt unless you intend to pay it rotten! You could easily screw yourself over! If you bring in a partial payment or unsuccessfully dispute or verify/validate a debt, it'll reset the 7 year clock.

I'M A LITTLE BASTARD AND REFUSE TO PAY
If you're rather bastard and simple don't want to pay, freshly wait until the statutes of decrease pass and consequently you're scott free and they can no longer collect a dime from you. Of course, there's your guilty conscience and the ghost of Christmas chronological that will haunt you for vivacity!

Also, if you choose to be a bastard and you own any valuable property or hold any large amounts of dosh stashed in a financial rationalization (such as a house, an expensive car or boat, stock brokers, IRAs, stash, checkings, EXCEPT for 401k's and perhaps 403b's which are protected from creditors), in attendance is a chance the creditor or debt collector could sue you. This really depends on the state where on earth you opened the narrative.

For a list of statutes of curbing for debt, check out this website:

http://www.bankrate.com/brm/news/cc/2004...

ONE LAST TIP
As an additional tip, by directive, debt collectors cannot threaten or harass you. This includes neighbors, friends, house, and empty threats of lawsuits or arrests. If they threaten you near a lawsuit, they MUST follow through or else they've in recent times violated your rights! If they do, they're violating your rational credit reporting act rights and you can sue the MOFO's for despoliation of your rights!

To learn more in the order of your rights under the "THE FAIR DEBT COLLECTION PRACTICES ACT", you can any read the FTC's tip page below:

http://www.ftc.gov/bcp/conline/pubs/cred...

Or check out the Wikipedia entry here:

http://en.wikipedia.org/wiki/fair_debt_c...

If a bastard debt collector is harassing you or violating any of your rights, record a complaint! Be sure to document every phone conversation, snail mail, or persecution you experience.

https://rn.ftc.gov/pls/dod/wsolcq$.start...

CAN ANYONE TESTIFY TO THIS?
In my own personal experience, I owed over $30k in debt that I couldn't remuneration off due to anyone laid off during the dot-com bust. The collectors want over $60k after penalty and interest. I laugh contained by their face. I haven't rewarded a dime and I sleep very capably at night. I merely have 2 more years to step before I enjoy a perfectly verbs credit, and 1 more year to go beforehand I'm off scott free (I live surrounded by Oregon --- the statutes are 6 years). I guess I took the bastardly approach! But whatever. I don't see the difference between mortal a bastard and filing for ruin; they're both bastardly! Just that a bankruptcy will screw you over longer (10 years instead of 7). Doesn't hold a genius to amount out which option is easier.

If you didn't carry my subtle hints, I'll spell it out for you. The FDC Act clearly protects you and provisions you with positive unalienable rights. Although I don't out right advocate NOT paying, I do want to stress that for the average American, between filing ruin and being a bastard, it's much easier and make more sense to just not money. In other words, if you're not rich and can't make a settlement to foot off the information, you're probably better off in recent times letting the debt die on its own. Some states, like North Carolina or New Hampshire, hold a 3 year statute limit for written contracts. This finances after 3 years, you don't owe them a dime except per your conscience.

And as a testiment, even with my unpromising debt still shadowing my credit, I just bought a current car for 14.9% APR through CitiFinancial. Not bleak at all!