Most states have exemptions to protect these items. You will need to consult a lawyer that specializes in bankruptcy to discuss your individual case. If I cannot pay my medical bills can they come after me? Medical bills will not go away if you just ignore them. In fact not paying them can end up making your financial situation worse. Your doctor's office or hospital will bill you for any amount that is not covered by your health insurance and can send you bills until the balance is paid in full. If you do not respond, they will notify you and turn your debt over to a collection agency. This means they now own your debt. Many of these debt collection agencies often use pressure tactics such as daily phone calls in an attempt to collect their money. Collection notices are also posted on your credit report and will lower your credit score. Debt collection agencies also have the power to file a lawsuit against you. You will be notified by the court and required to appear. The courts will give you the chance to defend yourself or settle with the collector.
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Addiction is a serious problem and needs immediate attention to be able to treat it. There are millions of people all over the world who are addicted to some or the other kind of drug or alcohol. Rehabilitation, of course, plays a major role in healing and helping the people to recover but support groups can also help individuals to overcome their addiction. A support group is a group wherein all of the people are struggling with the same disorder. They hold a meeting so as to offer encouragement, advice to people and be a support to someone overcoming addiction. How Do Support Group Help The Addicts To Recover? There are several groups these days for different issues and disorders. The support groups help the addicts who want to recover by arranging meetings wherein participants can offer several pieces of advice to each other on the different ways to say sober and clean. These days support groups not only exist for substance addicts but for other addictions like sex or shopping addicts.
So I never noticed on my credit report that in the "number of accounts" sections it's listed as 14 (2 CC, 12 student loans in small amounts). Is that number too high, and would it be worth it to consolidate those student loans into 1 to help my credit score? I keep the balance on my CC almost at $0 and pay my student loans regularly. This thread is archived New comments cannot be posted and votes cannot be cast level 1 Depends. You can also refinance your studnet loans too to get a lower interest rate if your credit is good. If you don't mind me asking, are they private or federal loans? Or a mix? level 2 they are all federal loans, ranging from 3. 6% to 4. 6%, but the largest one (which i think is my graduate school loan) has a 6. 6% rate. level 1 The number of accounts isn't a huge problem. It would more depend on what kind of student loans they are and at what interest and what the balances are. If they are very small, it wouldn't necessarily make sense to consolidate and you could potentially lose protections for federal loans.