/biz/ - Business & Finance

[Anonymous No.22399818]

Anyone ever file for chapter 7 bankruptcy? After a medical emergency, I've been left with 43k In debt after insurance. I don't owe student loans or anything else that you can't get dismissed.

[Anonymous No.22399837]

>>22399818
what the fuck is the point of insurance if you still owe $43K? what the fuck happened to you? I thought once I hit my catastrophic cap i wouldn't owe shit

[Anonymous No.22399848]

AMERICA is fucked, get bankrupt from medical care even when you have insurance.

[Anonymous No.22399916]

Don't you have max out of pocket per year with insurance? And why the fuck is this in biz?

[Anonymous No.22399919]

>>22399837
depends on the plan, some have copay even past the deductible and the out of pocket limit can be stupid high. furthermore if you get hit by “out of network” charges they typically ignore the OoP limit. Yes it’s extremely gay and scammy

[Anonymous No.22399936]

>>22399837
Car accident. I have limited liability insurance due to being a wagie and the person that hit me turned out to have no insurance. Said person also is a felon and likely has no assets that I can claim.

[Anonymous No.22399954]

>>22399919
this shit makes me sick. i have a deductible and a catastrophic cap and to know i can still get fucked.
>>22399936
are you at least healthy now and safe? that is whats most important.

[Anonymous No.22399962]

What was the medical emergency?

[Anonymous No.22399984]

>>22399818
health insurance a larger scam than defi shitcoins

[Anonymous No.22399987]

>>22399954
Thankfully, I am.

[Anonymous No.22399990]

>>22399936
did the judge at least make him your butler?

[Anonymous No.22399995]

>>22399818
Damn, that fucking sucks. It least you got the medical care you needed. Although insurance has failed everyone. If it doesn't pay for all our medical needs, we can't even call it a tool, more like a sideways hotdog trying to work as a hammer.

Maybe there's a deal you can work out, they can't possibly expect you to pay that much.

[Anonymous No.22400042]

>>22399818
https://www.youtube.com/watch?v=oD2gXY4piF4

[Anonymous No.22400045]

>>22399936
OOOOOONLY IN AMERICA
DREAMING IN RED WHITE AND BLUE
OOOOOONLY IN AMERICA
WHERE WE DREAM AS BIG AS WE WANT TO

[Anonymous No.22400062]

>>22399848
I HATE THIS SHIT HOLE BUT EVERYWHERE ELSE HAS SHIT PEOPLE

[Anonymous No.22400066]

>>22399987
was he a jogger?

[Anonymous No.22400082]

Dude if you are going chapter 7 it is time for an app o rama.
Apply for literally 100s of credit cards, pay down the medical debt with all the ones that approve you.
Never stop applying for credit cards revolve the shit out of them and balance transfer like a madman. Really rack it the fuck up.
You chapter 7 with 43k in debt they are gonna just dismiss it as abusive and push you to 13.
You need to make the problem so bad that repayment is impossible, credit cards are the easiest way to do it.
While you are at it, might as well commit some fraud and convert purchased goods into cash and then precious metals. Get a nice backpack of coins, chapter 7 they will take everything so it will be you and your clothes and that backpack.

Good luck anon, and fuck the Jews bro. Now is your time to shine.

[Anonymous No.22400086]

>>22399818
https://www.youtube.com/watch?v=oD2gXY4piF4&app=

Follow this advice

[Anonymous No.22400103]

>>22400066
No, he was a Puerto Rican

[Anonymous No.22400149]

>>22400082
This honestly. Tap every loan and credit product you can until you're hitting up payday loan companies like a heroin junkie, convert all that money into precious metals and hide that shit. If you're gonna have fucked credit for 7 years for a do-over you might as well fuck it up all the way.

[Anonymous No.22400162]

>>22399848
kek for real though.

Buy insurance like a good goy. Still get anally fisted and bankrupt.

[Anonymous No.22400207]

>>22400103
niggers of the caribbean

[Anonymous No.22400209]

>>22399818
HONK HONK

[Anonymous No.22400210]

>>22400082
Thanks. I ultimately had to take out cash advances on credit cards to pay for my mortgage while I was out of work. I've since received short term disability checks from my employer (60% of my regular wages)

[Anonymous No.22400226]

>>22399818
call them and settle

[Anonymous No.22400239]

>>22400210
>having to use debt to pay debt to not get kicked out of the house
The (banks) are your masters and you are their goy slave.

[Anonymous No.22400268]

>>22400239
Unfortunately, I'm aware. Before this happened, I was up to date on paying off my shithole of a house and actually a little bit of money saved.

[Anonymous No.22400308]

Unironically start a gofundme and shill it to your family friends and coworkers

[Anonymous No.22400314]

>>22399837
Another American bites the dust

[Anonymous No.22400362]

>>22400210
Your window is not closed man, really go to town applying for credit cards. Lie about everything especially your income on all of them. Your new goal is 500k in debt. You would be surprised how many of these companies will still give you 10k credit lines with horrible terms.
When those all run dry hit up indian reservations, they do insane loan terms with like 1000% apr.
You can do it bro, we believe in you.
Remember to revolve the debt for at least 6 months and constantly ask for limit increases.
When you are ready max it all out, and build that go bag.
Chapter 7 will not happen overnight, you need to let everything snowball into collections for years, during this time the most important thing is to live off the go bag and not work at all. Pay a friend to be a roommate or family member all off the books.

[Anonymous No.22400562]

>>22400086
How much did he make off btc?!

[Anonymous No.22400637]

>>22400362
This is so based i want to try it. I just want to dedicate my life to becoming that nigger with 1 million dollars in debt

[Anonymous No.22400707]

>>22399818
Lie and apply for Medicaid.
Unironically
You can have it date back to 06/01/2020 if you apply this month, request 3 months retro and say you’re unemployed and everything is the same in all those months.
Just make sure to indicate you have “stopped working” in the application process.
Healthcare.gov

t. Works at welfare office

[Anonymous No.22400749]

https://youtu.be/oD2gXY4piF4

[Anonymous No.22400761]

>>22400707
how do i scam the welfare system despite having a job? I want some of my tax dollars back.

[Anonymous No.22400806]

is it worth committing ID theft before seeking medical care in the US?

[Anonymous No.22400832]

>>22399818
Just don't pay any of it. Let it go to collections. Tell them to fuck themselves. Medical bills can't effect your credit. They'll try to trick you into paying a token amount. If you pay $1 they have you on the hook for the full bill. If you keep telling them to fuck themselves, over the years the amount will go down. I've been there before and that's how you do it.

[Anonymous No.22400919]

I think bankruptcy might be a good choice for you. I don't think the advice you are getting here is likely to be useful. Some of sounds like fraud, and I'm sure sharing a cell with asshole who hit you would be a moment of irony you would enjoy forever.

Consult a bankruptcy trustee in your community.

[Anonymous No.22400969]

>>22400761
If you want healthcare like insurance: super fucking easy, just report no income and basically say you have quit your job in the application.
Obamacare made healthcare a free for all with health insurance and we just take the clients word for it in like 80% of situations

If you want food stamps you can apply today and report you have income+checking/savings account balance than what you pay in rent OR report that you have less than $150 in income+easily accessible assets...
If you do this you’re considered “expedited SNAP” so they have to approve you for EBT that day or the following day even without verifying anything, all you need to give them is your drivers license and the application and do this cheesy interview that takes 10 minutes...
You will get approved for $196 in SNAP for October and like $120 for September (since you applied mid month).
They send out a request for you to prove your income and if you don’t respond your snap case closes at the end of October.
You could technically just reapply in November and start the whole thing over again lol

[Anonymous No.22401021]

>>22399990
Did you ever notice a lot of butlers are named Jeeves? I think when you name a baby Jeeves; you've pretty much mapped out his future. Not much chance he's gonna be a hitman. "Terribly sorry, sir, but I'm going to have to whack you."