Hello DR1ers...
First and foremost, I am long time reader of the board. I enjoyed reading and agreeing and disagreeing things that were written here for long time. I am here because I am in need of help. No. I am not looking into move to DR or open up a business here in DR. I am happily making my living and working here already. I just want an advice, opinion or perhaps a guide.
[My situation]
Several years ago, I was in coma for over three weeks for unknown reason and stayed in hospital for exactly 5 weeks in NJ. And I got upper six figure bills that I absolutely cannot pay. I got rejected on assistance so negotiated and came down to they would deduct portion form my pay weekly. About three years ago and I got fired from my work and sometime after that I heard an angel voice from one of company in DR and moved here.
Everything was all well in DR and I went through my first hell of marriage last year at age of 28. I am working as I should be and I got myself a car last year and on and off dating. But, I am in a complete mess in NJ. Apparently the debt went from hospital to collection agency after my funds had dried up in the bank and I was summoned to appear at Court last year at March. My friend, who I used to roommate, happened to pass by my old apartment and the owner had recognized him and given him all the papers and I eventually got a box full of mails couple of month back. The Summon says I owe them little over $9500 and had last year March date to appear at court. I know they over charge for everything but I don?t know how once near $80k bill went down to near $30k to now $9500, but I would take $9500 because it makes sound a lot better than saying I owed them nearly $80k. Now I haven?t called them yet but I had spoken to few of Dominican friends about this and some says call the court and explain that I am in DR, pay them monthly and I?ve also advised to ignore them and live here for forever. I was not looking for any good suggestion, perhaps, I just needed to vent and I got just that from few of the Dominican friends that I asked. But my thought on this is, I don?t want to be stuck here forever and have guilt of owning a debt, especially one that helped me when I needed them most. I just don?t want to live like this, worried consistently and going through another period of insomnia.
How do I approach this?
I know I should pay this but even all the trying hard to save past years, things didn?t really work out as planned to be a millionaire. I?ve asked about company loan the other day and the owner would loan me $3000. He was surprised by this because I never asked for any loan and he would be happy to loan me that in emergency. And I should not had bought the car last year as it chewed up a lot of my saving ($4000) and repair, maintenances and insurance. And I still had to pay my x-wife some. In all the minor expenses I am left with about little over $2000 in the bank. So even I sell all of my stuff, I don?t think I can cover the amounts that I owned but I guess I can get close to that with few more months of work and a loan from company. But. How would I resolve the court issue? Would it be make sense to call the company that holds the debt and settle and then face the court? It just kills me since I don?t have anybody back in state for advice beside my soon to be 80 year old grandpa in Iowa.
[/My situation]
I probably deserve all the crap I am going to receive but I am going to blame this on prednisone. I was forced to take this evil medicine because I never knew I had medicine allergy. Doctor prescribed me some medicine and it screwed up my kidney bad. I went to the same hospital and this time I was generously granted assistance. I end up taking large dose 120mg down to 60mg and now just 10mg twice a daily for years. I can tell you that this is very evil medicine, I read side effect of taking this and I have some of them. I?ve asked about it but doctor said as long as I don?t have more of the severe side effect, I should continue because without it my kidney would fail eventually. So I am continuing taking this even with all the ?mild? problems. Doctor said be happy that I am not having sudden urge to kill myself or talking to my dead parents, etc... I might not have serious side effects but I do have some minor to mid side effect from not able to sleep, not able to sunbathe because my skin would get easily fried up, little cuts would not heal for days and etc. But there are other side effects as well, like the drug?s ability to screw up brain. I feel complete normal most of the time and I know what is right and wrong. But there are many signs of the side effects that I am going through every day. My mind and body slows down to unbearable level sometimes, just like this post is taking me a whole day and some more to complete. I have major mood swing that led to my divorce and not able sustain long relationships. I just don?t give a crap on anything anymore; I mean nothing really bothers me. The things that used to drove me to nuts had become whatever. These are known side effects of me taking it, there could be more but I don?t notice it.
I know I should be in some other forum or legal advice forums but dr1 had been one of my retreats to anything after hard day at work or some crap things happens. Of course there are other forums but it?s not type of forums that I would post serious stuff and wait for some sane advice. And I am not type of a person that like to join in on a lot of forums because sometimes I find it hard to join in and most of the writing would take me forever to post. So I would appreciate if many wise members of the forums who has some knowledge or experience with this could answer problem I have.
First and foremost, I am long time reader of the board. I enjoyed reading and agreeing and disagreeing things that were written here for long time. I am here because I am in need of help. No. I am not looking into move to DR or open up a business here in DR. I am happily making my living and working here already. I just want an advice, opinion or perhaps a guide.
[My situation]
Several years ago, I was in coma for over three weeks for unknown reason and stayed in hospital for exactly 5 weeks in NJ. And I got upper six figure bills that I absolutely cannot pay. I got rejected on assistance so negotiated and came down to they would deduct portion form my pay weekly. About three years ago and I got fired from my work and sometime after that I heard an angel voice from one of company in DR and moved here.
Everything was all well in DR and I went through my first hell of marriage last year at age of 28. I am working as I should be and I got myself a car last year and on and off dating. But, I am in a complete mess in NJ. Apparently the debt went from hospital to collection agency after my funds had dried up in the bank and I was summoned to appear at Court last year at March. My friend, who I used to roommate, happened to pass by my old apartment and the owner had recognized him and given him all the papers and I eventually got a box full of mails couple of month back. The Summon says I owe them little over $9500 and had last year March date to appear at court. I know they over charge for everything but I don?t know how once near $80k bill went down to near $30k to now $9500, but I would take $9500 because it makes sound a lot better than saying I owed them nearly $80k. Now I haven?t called them yet but I had spoken to few of Dominican friends about this and some says call the court and explain that I am in DR, pay them monthly and I?ve also advised to ignore them and live here for forever. I was not looking for any good suggestion, perhaps, I just needed to vent and I got just that from few of the Dominican friends that I asked. But my thought on this is, I don?t want to be stuck here forever and have guilt of owning a debt, especially one that helped me when I needed them most. I just don?t want to live like this, worried consistently and going through another period of insomnia.
How do I approach this?
I know I should pay this but even all the trying hard to save past years, things didn?t really work out as planned to be a millionaire. I?ve asked about company loan the other day and the owner would loan me $3000. He was surprised by this because I never asked for any loan and he would be happy to loan me that in emergency. And I should not had bought the car last year as it chewed up a lot of my saving ($4000) and repair, maintenances and insurance. And I still had to pay my x-wife some. In all the minor expenses I am left with about little over $2000 in the bank. So even I sell all of my stuff, I don?t think I can cover the amounts that I owned but I guess I can get close to that with few more months of work and a loan from company. But. How would I resolve the court issue? Would it be make sense to call the company that holds the debt and settle and then face the court? It just kills me since I don?t have anybody back in state for advice beside my soon to be 80 year old grandpa in Iowa.
[/My situation]
I probably deserve all the crap I am going to receive but I am going to blame this on prednisone. I was forced to take this evil medicine because I never knew I had medicine allergy. Doctor prescribed me some medicine and it screwed up my kidney bad. I went to the same hospital and this time I was generously granted assistance. I end up taking large dose 120mg down to 60mg and now just 10mg twice a daily for years. I can tell you that this is very evil medicine, I read side effect of taking this and I have some of them. I?ve asked about it but doctor said as long as I don?t have more of the severe side effect, I should continue because without it my kidney would fail eventually. So I am continuing taking this even with all the ?mild? problems. Doctor said be happy that I am not having sudden urge to kill myself or talking to my dead parents, etc... I might not have serious side effects but I do have some minor to mid side effect from not able to sleep, not able to sunbathe because my skin would get easily fried up, little cuts would not heal for days and etc. But there are other side effects as well, like the drug?s ability to screw up brain. I feel complete normal most of the time and I know what is right and wrong. But there are many signs of the side effects that I am going through every day. My mind and body slows down to unbearable level sometimes, just like this post is taking me a whole day and some more to complete. I have major mood swing that led to my divorce and not able sustain long relationships. I just don?t give a crap on anything anymore; I mean nothing really bothers me. The things that used to drove me to nuts had become whatever. These are known side effects of me taking it, there could be more but I don?t notice it.
I know I should be in some other forum or legal advice forums but dr1 had been one of my retreats to anything after hard day at work or some crap things happens. Of course there are other forums but it?s not type of forums that I would post serious stuff and wait for some sane advice. And I am not type of a person that like to join in on a lot of forums because sometimes I find it hard to join in and most of the writing would take me forever to post. So I would appreciate if many wise members of the forums who has some knowledge or experience with this could answer problem I have.
