Scare tactics debt collectors use on senior citizens

[Debp]

2 hours ago, LaMonte said:

I am not talking about the debt Jesus Christ payed for our Salvation, it's a gift. I know there exceptions like medical bills, some times. Romans 13:8 is talking about debt when you take out a loan. Romans 13:8 is to believers in Christ not to unbelievers. 

When we take out a loan such as a house, car, or just for borrowing money, we should pay the loan. I think Gods perfect will is to stay out of debt altogether. Medical bills are normally not alone.

The points I started with is just what the Scriptures teach, its just wise Council, has nothing to do with salvation.

The topic (original post) was not about Christians avoiding paying their debts.   It was about helping senior citizens facing debt collectors.

My mom was 94 and died recently.   I am turning 74 shortly.   Both of us paid our bills all of our lives.   I am also quite frugal.

But the debt collectors have been phoning because a previous hospital sent one of her bills to a wrong address.   We never knew about the bill.

Now the current hospital is sending bills still after mom has died.   I need to get this all straightened out with them.   While mom was living I paid her bills since she was 94, bedridden and deaf....she couldn't do anything and died in her bed under hospice care at our apartment.   I took care of her 24/7, including changing her diapers.

Our rent is terribly high so I'm trying to get everything straightened out with these hospitals.   Honestly they don't care, they just want their money...and the person is dead.

So I hope you can understand why I was looking at YouTube videos about tactics of debt collectors.

 

[NConly]

11 minutes ago, Debp said:

The topic (original post) was not about Christians avoiding paying their debts.   It was about helping senior citizens facing debt collectors.

My mom was 94 and died recently.   I am turning 74 shortly.   Both of us paid our bills all of our lives.   I am also quite frugal.

But the debt collectors have been phoning because a previous hospital sent one of her bills to a wrong address.   We never knew about the bill.

Now the current hospital is sending bills still after mom has died.   I need to get this all straightened out with them.   While mom was living I paid her bills since she was 94, bedridden and deaf....she couldn't do anything and died in her bed under hospice care at our apartment.   I took care of her 24/7, including changing her diapers.

Our rent is terribly high so I'm trying to get everything straightened out with these hospitals.   Honestly they don't care, they just want their money...and the person is dead.

So I hope you can understand why I was looking at YouTube videos about tactics of debt collectors.

 

In the U.S. as long as one pays something each month collectors will not call. 

[farouk]

19 hours ago, Debp said:

@LaMonte  I don't think you understood the purpose of the video.

Some senior citizens through no fault of their own incur large medical bills.   And hospitals will send those bills to a collection agency which will try to use scare tactics against senior citizens.

 

@Debp From a Canadian perspective where medicine is socialized, it would be easy to try to moralize against Americans who borrow to pay medical expenses.

It's part of the reality for a lot of ppl.

[R. Hartono]

3 hours ago, Debp said:

  But I don't think a born again Christian woman would prostitute herself for food.   Maybe a "church goer" would....but not a born of the Spirit Christian woman.

Paul gathered donation from gentile churches to help the poor saints in Jerusalem, does that make the saints in Jerusalem the church goers ?

[Debp]

4 hours ago, NConly said:

In the U.S. as long as one pays something each month collectors will not call. 

My mom is now deceased.   Children are not responsible for their parents medical debts.    

[Debp]

4 hours ago, farouk said:

@Debp From a Canadian perspective where medicine is socialized, it would be easy to try to moralize against Americans who borrow to pay medical expenses.

It's part of the reality for a lot of ppl.

I'm not talking about people borrowing to pay medical bills.   I'm saying that when citizens get huge medical bills....the hospitals do send those bills to collection agencies.   Apparently they sell the bills to collectors for pennies on the dollar.

 

[NConly]

2 hours ago, Debp said:

My mom is now deceased.   Children are not responsible for their parents medical debts.    

Sorry the wording in the post made me think you were one dealing with high rent and two trying to resolve the medical bill I just got the wrong impression from the post.

[Retrobyter]

6 hours ago, NConly said:

In the U.S. as long as one pays something each month collectors will not call. 

Shalom, NConly.

OR, at least that is U.S. law! Sometimes, the less scrupulous ones will call anyway. BUT, we have a recourse: If one doesn't seem to be following the rules, one can call the Consumer Financial Protection Bureau (CFPB) and/or the Federal Trade Commission (FTC) and file a complaint.

They will either become "educated" and stop, or they will pay a fine and/or go to jail for their infractions of the law.

Also, one should be careful always to check with the actual creditor to be sure that the charge is valid. There are also scammers out there who make their living off of ripping people off with fraudulent claims.

[Retrobyter]

3 hours ago, R. Hartono said:

Paul gathered donation from gentile churches to help the poor saints in Jerusalem, does that make the saints in Jerusalem the church goers ?

Shalom, R. Hartono.

No, it makes the saints in Jerusalem "indigent." They were hurting because of the pressures put upon them from the religious Jews and the Temple workers who were claiming that Yeeshuwa` was not the true Messiah of God. They were kicking the believers in their wallets, so to speak! 

What @Debp was saying is that a true believer in the Messiah Yeeshuwa` (the Christ Jesus) would not be disobeying God's Law and selling herself (or himself) into prostitution to make ends meet, even if that's a "last-ditch effort" for others of less scruples.

[NConly]

1 hour ago, Retrobyter said:

Shalom, NConly.

OR, at least that is U.S. law! Sometimes, the less scrupulous ones will call anyway. BUT, we have a recourse: If one doesn't seem to be following the rules, one can call the Consumer Financial Protection Bureau (CFPB) and/or the Federal Trade Commission (FTC) and file a complaint.

They will either become "educated" and stop, or they will pay a fine and/or go to jail for their infractions of the law.

Also, one should be careful always to check with the actual creditor to be sure that the charge is valid. There are also scammers out there who make their living off of ripping people off with fraudulent claims.

Most agency's are worthless to the pour. They only act with large claims. I have been screwed many times and contacted many government agency they take the info and in a few weeks one finds out nothing is being done. just what i experienced even medicare fraud does nothing.