Comments on: Deborah Wants to Write Letters to Creditors. But is That a Waste of Time? http://getoutofdebt.org/4552/deborah-wants-to-write-letters-to-creditors-but-is-that-a-waste-of-time Free debt help and debt advice on how to get out of debt, getting out of debt consolidation scams, and inside information on the debt relief and debt help industry. Mon, 13 Feb 2012 01:25:00 +0000 hourly 1 http://wordpress.org/?v=3.3.1 By: Irrhodes http://getoutofdebt.org/4552/deborah-wants-to-write-letters-to-creditors-but-is-that-a-waste-of-time#comment-93503 Irrhodes Thu, 02 Feb 2012 20:02:00 +0000 http://getoutofdebt.org/?p=4552#comment-93503 If someone has a longterm illness with thousands of dollars of monthly medical costs, they are not "stealing" to get medical care. Sometimes the only way a doctor will see you is if you put the charges on credit card. If one has to be self-employed due to illness (in my case for 32 years, with several medical appts. per week and 11 monthly prescriptions) and the cheapest health insurance is over $1000 a month after age 50 and copays and deductibles and prescriptions are another $5000 a year, and one works every available hour that one can and takes only a few days off a year apart from medical visits, one is not stealing in order to get the medical care that keeps one alive. For those of us who became disabled early in life, the maximum disability payments we could collect is likely to be $400/month - and when renting one room in a shared house costs at least $800 where I live and a 1 bedroom apt. costs $1500/month to rent plus another $200/month for heat, this means homelessness.  I choose to work rather than die on the street, live very cheaply, and don't own anything worth over $20 except an old computer. Most people in debt are in debt because of huge medical costs over which they have no control. They should not be blamed. If someone has a longterm illness with thousands of dollars of monthly medical costs, they are not “stealing” to get medical care. Sometimes the only way a doctor will see you is if you put the charges on credit card. If one has to be self-employed due to illness (in my case for 32 years, with several medical appts. per week and 11 monthly prescriptions) and the cheapest health insurance is over $1000 a month after age 50 and copays and deductibles and prescriptions are another $5000 a year, and one works every available hour that one can and takes only a few days off a year apart from medical visits, one is not stealing in order to get the medical care that keeps one alive. For those of us who became disabled early in life, the maximum disability payments we could collect is likely to be $400/month – and when renting one room in a shared house costs at least $800 where I live and a 1 bedroom apt. costs $1500/month to rent plus another $200/month for heat, this means homelessness.  I choose to work rather than die on the street, live very cheaply, and don’t own anything worth over $20 except an old computer. Most people in debt are in debt because of huge medical costs over which they have no control. They should not be blamed.

]]> By: Trout http://getoutofdebt.org/4552/deborah-wants-to-write-letters-to-creditors-but-is-that-a-waste-of-time#comment-22076 Trout Thu, 20 May 2010 12:53:40 +0000 http://getoutofdebt.org/?p=4552#comment-22076 I don't understand why jail time is off the table. If you buy products or services and don't pay for them, it's theft. Maybe this country would be better off by not letting people steal (bankrupcy filers) from the people that actually work and pay taxes. I don’t understand why jail time is off the table. If you buy products or services and don’t pay for them, it’s theft. Maybe this country would be better off by not letting people steal (bankrupcy filers) from the people that actually work and pay taxes.

]]> By: Deb http://getoutofdebt.org/4552/deborah-wants-to-write-letters-to-creditors-but-is-that-a-waste-of-time#comment-17352 Deb Tue, 15 Dec 2009 14:24:46 +0000 http://getoutofdebt.org/?p=4552#comment-17352 Get the bankruptcy forms on-line or at an office supply store, fill them out and file yourself. Ask your kids to pony up the filing fee. A whole lot cheaper than a lawyer You need to get free of this harrassment for your health's sake. God Bless. Get the bankruptcy forms on-line or at an office supply store, fill them out and file yourself. Ask your kids to pony up the filing fee. A whole lot cheaper than a lawyer You need to get free of this harrassment for your health’s sake. God Bless.

]]> By: Sheila http://getoutofdebt.org/4552/deborah-wants-to-write-letters-to-creditors-but-is-that-a-waste-of-time#comment-15551 Sheila Tue, 22 Sep 2009 14:07:07 +0000 http://getoutofdebt.org/?p=4552#comment-15551 I WAS PAYMEN A DEBT COLLECTION IN THE AMOUNT OF 200.00 A MONTH, THIS PAST April I CONTACT THEM WASN'T WORKING due to my husband became sick and have cancer... I have explaine this to the collection dept. But they have started back calling me what am i to do? I have been sending then 100.00 a month ALSO MY MOTHE OF 73 YEARS OLD I HAVE TO TAKE CARE OF TOO,I HAVE NO INCOME I WAS PAYMEN A DEBT COLLECTION IN THE AMOUNT OF 200.00 A MONTH, THIS PAST April I CONTACT THEM WASN’T WORKING due to my husband became sick and have cancer… I have explaine this to the collection dept. But they have started back calling me what am i to do? I have been sending then 100.00 a month ALSO MY MOTHE OF 73 YEARS OLD I HAVE TO TAKE CARE OF TOO,I HAVE NO INCOME

]]> By: Charles Schubert http://getoutofdebt.org/4552/deborah-wants-to-write-letters-to-creditors-but-is-that-a-waste-of-time#comment-2089 Charles Schubert Sat, 28 Feb 2009 16:25:22 +0000 http://getoutofdebt.org/?p=4552#comment-2089 Dear Mr. Rhode, I was dismissed from my job after 13 years. I'm 67, and your letter was the first breath of fresh air I have had. Thank you. Charles Schubert Dear Mr. Rhode,
I was dismissed from my job after 13 years. I’m 67, and your letter was the first breath of fresh air I have had. Thank you.

Charles Schubert

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