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  1. Health Insurance: Re: Billed for Unauthorized Testing by an Out-of-Network Lab

    Washington State passed a law making this kind of surprise billing illegal. If you get a procedure at an in-network facility, all of the billing will be at the in-network rate. You may be able to...
  2. Public Health Issues: Medicare Subscribers' Right to Pre-Authorization and Cost Information

    My question involves federal public health law (Medicare and Medicare Advantage)
    Do Medicare subscribers have the right, under the law or under the rules, to have an insurance pre-authorization...
  3. Student Loans: Re: Billed for Full Payments After Delay in Processing an Income Based Repayment Form

    I qualify for free legal aid. I'm not paying $300 per hour.
  4. Student Loans: Billed for Full Payments After Delay in Processing an Income Based Repayment Form

    My question involves student loan past due notices.

    For the year 9/12/15-9/12/16 I was in the Income Based Repayment Plan for student loans. Because I am retired and on Social Security and have...
  5. Retirement Benefits: Re: Effect of Income on Social Security Retirement Benefits

    The employment was until April 2014, not 2015. The above was a typo and I will see if I can edit it.
  6. Retirement Benefits: Re: Can the SSA Take Back Money They Paid Me (Emergency)

    I just found this. It seems that the earnings before the retirement month will not result in a reduction of the payments....
  7. Retirement Benefits: Re: Can the SSA Take Back Money They Paid Me (Emergency)

    I started Social Security early. In December on 2014 I was 63.
    This link was provided on another thread in this forum.
    http://www.ssa.gov/OP_Home/handbook/handbook.18/handbook-1807.html
    Does this...
  8. Retirement Benefits: Effect of Income on Social Security Retirement Benefits

    I filed for retirement Social Security. This started December 2014. I received my first Social Security check in February 2015, covering December 2014 and January 2015. Then I started getting regular...
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    Post-Discharge Issues: Re: Refinancing a Car Now on Keep and Pay

    Thank you very much for clarifying. It is good to know that once I did the bankruptcy they can't turn it back into a reaffirmation. I definitely never did a reaffirmation. The lawyer made it clear...
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    Post-Discharge Issues: Re: Refinancing a Car Now on Keep and Pay

    Thank you for the replies. There is a lot I don't understand here.

    For the car I currently have: I did not sign a reaffirmation. The lender does not send me any paperwork. I logon to their...
  11. Federal Taxes: Re: Form 8962 with Part Year Minimum Essential Coverage

    Thank you for answering my question.
    Yes, the state said I wasn't getting Form 1095 because I didn't have a subsidy on the exchange.

    - - - Updated - - -

    One of the things I was confused about...
  12. Federal Taxes: Re: Is It Necessary to Affix Proof of Health Insurance to Your 1040 Form (Line 61)?

    I am not a lawyer, but this is what I found out after much research (not in MA). On the IRS form you check a box showing that you had "minimal essential coverage." I don't think you have to provide...
  13. Chapter 13: Re: IRS Conversion to 7 -Form Ss-8 in Progress

    When you file SS8 you should also file for unemployment compensation in your state independently of the SS8 at the federal level. Those are two different determinations but one could help the other....
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    Post-Discharge Issues: Refinancing a Car Now on Keep and Pay

    Question - I am making car payments under a post-discharge keep & pay. The discharge was a little over a year and a half ago. If I refinance the car loan to get a lower monthly payment, is that a...
  15. State Taxes: Re: State Taxes Bill For Work Performed as an Independent Contractor in Another State

    Thank you for all of the replies.
    At the time, based on advice here, I wrote to the State of Colorado and informed them that I was not a resident and that I only stayed in a hotel during a business...
  16. Retirement Benefits: Re: Can You Speed Up the Receipt of Social Security Benefits

    I called the US Senator's constituent help after a month of waiting. They got it resolved and my Social Security check was deposited.
  17. Federal Taxes: Completing IRS Form 8962 with Part Year Minimum Essential Coverage

    I can't find anything explaining how to deal with line 69 of Form 1040 or Form 8962. For the first part of the year I had insurance through my employer, with the premiums paid by the employer. Then...
  18. Retirement Benefits: Re: Can You Speed Up the Receipt of Social Security Benefits

    Oh give me a break - if those "temp jobs" existed I would have one

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    Do they take walk-ins without an appointment?
  19. Minors' Rights: Re: Can a Parent Destroy an Item of Their Child's Property

    Can your family discuss the problem of your brother's behavior at a time other than in the middle of the action occurring? There should be a way to talk this out. Since you are an adult you should...
  20. Retirement Benefits: Can You Speed Up the Receipt of Social Security Benefits

    I had previously read incorrect information and was not aware that you need to file 3 months in advance to start Social Security. Also I was waiting to see if I could get hired so that I could delay...
  21. State Taxes: Re: State Taxes Bill For Work Performed as an Independent Contractor in Another State

    Thank you for all of the information. I was present there staying at a hotel while still having my permanent address in my home state. For four weeks I would have made $8000. How could they ask me...
  22. State Taxes: State Taxes Bill For Work Performed as an Independent Contractor in Another State

    In 2008 I worked on a 1099 self-employed independent contractor basis for a company in Colorado. The total time I spent on this was about 6 months. I worked at home (not in Colorado) except for a...
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    Applying for Unemployment: Unemployment Claims After Sequester Cuts

    When the unemployment rate in a state drops below a certain level, the number of extensions available in the state can be decreased. In my state, the rate dropped below 7% so our state lost Tier 3....
  24. Chapter 7: Re: Car Repossessed in Violation of Federal Bankruptcy Court Judge's Order

    I left a message for the creditor's lawyer and the bank that they had better return the car because they cannot violate an order from a federal judge. I also called the court, who said the ruling...
  25. Chapter 7: Car Repossessed in Violation of Federal Bankruptcy Court Judge's Order

    My question involves bankruptcy in the state of: Washington. I filed Chapter 7 Bankruptcy and had the meeting with the trustee. The bankruptcy was scheduled for discharge by 7/9. The creditor...
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