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Blade has acquired an RV somehow. Says he's bringing Bec with him


bladerv.jpeg

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Stank said:
Blade has acquired an RV
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It actually looks relatively clean. I’m sure that won’t last long.

moonman1488 said:
Not really, we just put off seeing the doctor until it’s too late because it costs too much money.

When Speedy was in the hospital with cellulitis after jumping into the ocean with an open wound, that was probably a 15k hospital stay that he’ll never pay off.
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So what happens when he doesn’t pay his medical debt? Do they have any ability to collect? Is everyone below average income in America walking around with a medical debt hanging over their head? That can’t possibly be sustainable, it sounds like living in America without insurance is like Russian Roulette when you could get appendicitis at any time and go into financial ruin. There must be something I’m missing right?
 
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Gauf said:
So what happens when he doesn’t pay his medical debt? Do they have any ability to collect? Is everyone below average income in America walking around with a medical debt? That can’t possibly be sustainable, it sounds like living in America without insurance is like Russian Roulette when you could get appendicitis at any time and go into financial ruin. There must be something I’m missing right?
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They pester you through mail and collections calls but that's about all they can really do. Not really. Probably. They have to help you if you need it so if you go to the ER you will be seen. I assume the debt is passed down to their family members.
 
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Gauf said:
So what happens when he doesn’t pay his medical debt? Do they have any ability to collect? Is everyone below average income in America walking around with a medical debt? That can’t possibly be sustainable, it sounds like living in America without insurance is like Russian Roulette when you could get appendicitis at any time and go into financial ruin. There must be something I’m missing right?
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They can send the bill to collections and ruin his credit score, not that he even has one to worry about. Hospitals just charge everyone else more to make up for the people who won’t pay. And no, you’re not missing anything, potentially going into tens of thousands of debt because you had a random medical problem outside your control is part of being American.
 
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Very strange watching him being so organised with his wires all labelled and making a charging station. It is insane the difference in this man with a drink in him.
 
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Stank said:
They pester you through mail and collections calls but that's about all they can really do. Not really. Probably. They have to help you if you need it so if you go to the ER you will be seen. I assume the debt is passed down to their family members.
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Hospitals just send a bill once in a while, and a lot of the time debt can be forgiven if the patient is below the poverty line.
I'm not sure who keeps spreading the idea that poor Americans have no access to health care. I blame tumblr most of the time since that's where I see this stuff the most.
No debt (even credit cards) is passed on to family if someone dies unless that family member cosigned the account. Of course debt collectors will try to tell family that they are responsible, but as long as they never agree with that or give them any money? The debt dies with the debtor.
 
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Justanotherguy said:
That's the fucked up part, if at any point the family ever agrees to take on the debt it becomes theirs.
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Yup. Gotta be careful about what you say and to whom on the phone after a loved one dies. Sucks, but those debt collectors get paid to be vultures and some of them are very good at it.
 
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Someone please restore my faith in benevolent forces & tell me that screeching rëtard shat out any baby she may/may not have been carrying, & that the rest of her reproductive organs came spilling out of her mayonnaise canyon along with it.

E: That bitch skeeves me out so hard I suddenly can't even spell "mayonnaise". Ugh.
 
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BigBadgerArse said:
Edit: Im just thinking, what do Americans do in this situation? i got mine taken out for free. Its something that needs to come out if it continues to get worse.... will she just have to suffer?? or can you have emergency surgery free somehow? Im guessing that would be a lot of money if you dont have insurance.... America is scary.
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If you have an emergency they are required to treat you regardless of your ability to pay for it. ER bills are typically outrageous too. However, if you are broke and don't have health insurance they aren't going to do anything about it if you don't pay. There are random government programs in some states to pay off hospitals' unpaid bills. Sometimes an unpaid bill will get kicked off to a debt collector, but they can't do anything to make you pay either besides trying to scare you. I've been to the ER twice without insurance and I've never paid a dime. One time the government ended up paying the bill. The other time they reduced the bill by like 90% but I still refused to pay so it went to a debt collector. It went on my credit report but it will be taken off eventually anyway and my score is still above 700.

Oh and the medical industry is so greedy and corrupt in the US that no one should ever feel bad about not paying hospitals. During my second ER visit there was a specific procedure that I needed done. I had the same procedure done at that same hospital years prior. All my symptoms were identical as they were the previous. They still demanded to run a bunch of expensive and unnecessary(IMO) tests to confirm everything. Then after all that they backed out of doing the procedure, saying that they didn't have anyone on staff who was qualified to do it. Then they sent me a $6000 bill for not even providing the service that they said they would. Fuck those fleecers. I ended up a getting the procedure done by a specialist for around 250$, and I happily paid them.
 
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FatalTater said:
Yup. Gotta be careful about what you say and to whom on the phone after a loved one dies. Sucks, but those debt collectors get paid to be vultures and some of them are very good at it.
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I've talked to debt collectors pretending to be process servers. They scare you into thinking you're being sued and then say the case can be dismissed if you pay a fee. They're basically on the level of indian IT scammers.
 
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Popping in as an ex-debt collector for a hospital for an agency with full in-house services including lawyers.

We would get a judgment on large debts, find where you work (hey hey, us Kiwi's have skills lol), and garnish your wages. Find your assets and put liens on them. After death, we would file with the estate as a creditor to get a piece of anything the deceased had to distribute.

But, we also assisted in getting people signed up for programs that, even if you weren't covered at the time of the accident or whatever, would do a look-back and cover the incident (like for minors wrecking motorcycles or what have you). It was a while ago, but I do remember the Fair Credit Reporting Act guidelines still.

They will drop off in seven years from your CR; whatever you do, don't pay a dime on it because that resets the clock and don't let them roll old debt into new thereby making that old debt active again. Put the invoice number on your remittance to avoid the agent spreading your payment to other accounts. And yeah you can do payments of like $10 per month if you really want to pay it but nowadays medical debt really doesn't ding your CR too much. I have an outstanding bill of about 6K from a 2-night stay that will drop off in a couple of years that I never acknowledged and I have excellent credit.
 
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