Debt Collection Process

Discuss and explain how “network” carriers have used the bankruptcy laws to reduce cost in airlines.? Discuss and explain how “network” carriers have used the bankruptcy laws to reduce cost in airlines.?

Suggestions....Please! Bankruptcy or Law Suit? Ok, here is the situation. My ex is supposed to carry medical ins. on our son. He lives in Tx. & my son and I live in Ms. The coverage he chose during open enrollment for this year only covers our son in Tx. Before the policy was change (beginning Jan.1), we set up surgery for my son for Feb. The total amount of this surgery when everything is said & done will be close to $100k. It was done here in Ms. Now we are finding out that he had no coverage in Ms. and no out of network benefits. If we can not convince my ex's employer to change the policy & back date the coverage, I'm getting hit with these bills. When the surgery was scheduled in Oct., the policy he was on covered it & in Dec. was authorized by the ins. company. My custody papers state that my ex is 100% liable for all medial bills if he hasn't provided coverage. If these bills fall on me, I won't have a choice but to file bankruptcy. Any ideas on forcing the company to change and back date the policy or options? The HR department at my ex's employer has assigned an advocate, but they are really going to be able to help get the policy changed, not back dated. The child support enforcement order is through the Tx AG's office. They will only enforce the medical if I take my ex back for child support modification. They are sending a copy of the court order to the HR department, but they can't force them to back date the policy either....I need some other ideas on how to handle this.

Cadidate X or Candidate Y? Candidate X Promises and Plans: 1.)Establish a $10 billion Foreclosure Prevention Fund 2.)Provide $10 billion in Relief for State and Local Governments 3.)Hardest-Hit by the Housing Crisis to Prevent Cuts in Vital Services. 4.)Extend and Expand Unemployment Insurance 5.)Provide a Tax Cut for Working Families 6.)Eliminate Income Taxes for Seniors Making Less than $50,000 7.)Simplify Tax Filings for Middle Class Americans 8.)Fight for Fair Trade 9.)Amend the North American Free Trade Agreement 10.)Improve Transition Assistance 11.)Invest in our Next Generation Innovators and Job Creators 12.)Double Funding for the Manufacturing Extension Partnership 13.)Invest In A Clean Energy Economy And Create 5 Million New Green Jobs 14.)Create New Job Training Programs for Clean Technologies 15.)Boost the Renewable Energy Sector and Create New Jobs 16.)Create a National Infrastructure Reinvestment Bank 17.)Invest in the Sciences 18.)Make the Research and Development Tax Credit Permanent 19.)Deploy Next-Generation Broadband 20.)Provide Tax Relief for Small Businesses and Start Up Companies 21.)Create a National Network of Public-Private Business Incubators 22.)Ensure Freedom to Unionize 23.)Fight Attacks on Workers' Right to Organize 24.)Protect Striking Workers 25.)Raise the Minimum Wage 26.)Protect Homeownership and Crack Down on Mortgage Fraud 27.)Address Predatory Credit Card Practices 28.)Reform Bankruptcy Laws 29.)Work/Family Balance 30.)Expand High-Quality Afterschool Opportunities Candidate Y Promises and Plans: 1.)Workplace Flexibility 2.)Relief for Families 3.)Government Reform 4.)Supporting Small Businesses 5.)Cheap and Clean Energy 6.)Better Healthcare 7.)Simpler and Fairer Taxes 8.)Lower Barriers to Trade 9.)Expanding Domestic Oil And Natural Gas Exploration And Production 10.)Taking Action Now To Break Our Dependency On Foreign Oil By Reforming Our Transportation Sector 11.)Investing In Clean, Alternative Sources Of Energy 12.)Protecting Our Environment And Addressing Climate Change: A Sound Energy Strategy Must Include A Solid Environmental Foundation 13.)Promoting Energy Efficiency 14.)Addressing Speculative Pricing Of Oil 15.)DC Personal Protection 16.)The Confiscation of Firearms After an Emergency 17.)Cut The Corporate Tax Rate From 35 To 25 Percent 18.)Seal the Pork Barrel 19.)Stop the Revolving Door and Restore Ethics 20.)Democracy is Not for Sale 21.)Excellence, Choice, and Competition in American Education 22.)Comprehensive Immigration Initiatives for a Secure Nation

Question for lawyers only: What can an inexperienced, 40 year old lawyer do to make himself marketable? I'm 40 years old. I graduated six years ago from Washington U in St Louis School of Law. I live in NYC where they haven't heard of schools west of Pittsburgh and my school does not have an alumni network. Since then, I've only been able to get document review assignments with large breaks of unemployment when the market cools down. Okay, so that's my life thus far adn there are plenty of other students from my "top-twenty" school who are in the same boat. I've been doing my best to not whine over it without purpose. Trust me, I have a MUCH better outlook on life than many of the thousands of people in this industry in NYC. So here's my question: Is there a field in the law or in a related field (or even on Mars for all I care) in whihc I can have a reasonalbe chance at getting a job, working my way up, and hopefully retire at 70 or so with my student loans paid and enough money to retire in a state with a low cost of living? My experience beyond Doc REview (searching for words in emails) consists of: 1. completing five Chapter 7 bankruptcy petitions for people through Legal Services (their not hiring when they can get peole to do it for free) over the last 1.5 years. I would have done more petitiion but the legal aids have no motivation to move any faster. 2. Representing people in their SSD appeals for two years during law in 2001-2003. And, 3. I researched one issue and wrote one Motion in Limine since law school and I have no idea if they actually filed it. Of course, I've been searching since before graduatiion. I like what I know about bankruptcy but every job I find in bankruptcy asks for a minimum of five years of experience. even the so-called entry level jobs want at least a yaer of Chapter 11 experience. I'm looking in compliance jobs and they seem to either pay 17 an hour which means I'd have to default on my student loans or they want five to ten eyars experience Legal aid agencies have been inundated with applications since 9/11 and can get most of their work done for free by pro bono attorneys. Any ideas out there? I truly thank you for reading this far even if you don't have any ideas. If you have any thoughtful suggestions it could make my day (and life). PS. I'm limiting this to lawyers because I'm used to gettting, weell-meaning, but frustrating advice from non-lawyers who think the legal profession works like most other industries in whihc someone can start in the mailroom or as a paralegal and work their way up to Senior Associate or Partner. For example, a non-lawyer will tell me to simply start filing bankruptcy petitions for people or to try to get jobs in all fifty states while a legal professional will know that we need to study, take an exam, become admitted to work in each of those jurisdicitions.

Medical Bills owed. Hospital out of business. Collection Agency billing me.? I had medical insurance and went out of network to have back surgery in Feb. 2007. The hospital billed my insurance company $204,000. The insurance company paid over $160,000 of that. They tried to collect $45,000 from me. I wrote letter after letter letting them know that I was not not due to pay that money. I told them my insurance company paid what was customary for the surgery and they wouldn't be getting anymore money from me. I never got a response. I sent one letter registered mail with no response. I started ignoring the bills as they came in. I did save them all though. My doctor preformed surgery at a hospital that has since gone out of business and filed bankruptcy in August 2008. The hospital had already reported me to collections. Every two weeks I get another bill in the mail. I have one that added on a mysterious $7000. Then the next week I receive a bill saying that I owe $7000 less. Then I received another bill saying that I owe the mysterious added on $7000 again. Another thing is I live in Nevada but had the surgery in California. Who's law do I follow? Should I send another letter registered mail and let them know that I am working out the charges and I will call them to settle the bill once I have gone through all the charges and let them know that I will be negotiating an amount with them? How do I get a line by line itemized bill if the hospital is out of business? I would hate to file bankruptcy because I think I live pretty well and I don't want to sell off anything that I own but I don't want them to start garnishing my wages either. I used to have a credit score of over 800. I am putting on property protection by filing a homestead declaration. My husband and I combined do not make that much money put together. Can someone please help?