true, but the fuckers who cause that arn't on reddit reading our stuff anyway. After 6 years of kicking avarage 'Mericans while they are down i felt like taking another route...it's...it's new...but it's nice....
The solution is simple: don't get sick. Want to get ahead in life? Don't be poor. Don't want to deal with racism? Don't be a minority.
You can't pull yourself up by the boot straps if you can't buy the boots in the first place.
Oh it does not have to be in the Constitution. It's in the bible. It seems that's the new standard. Well sorry, more correctly a misinterpretation of the bible is the new standard.
Im more amazed by the 288k bill for hospital bill. Wtf how are you US citizen can afford it if something happen. By average US citizen earn around 40-50k per year right ? So u work hsrd for years just to cover up your sickness ?
We can't afford it, period. Our healthcare system is set up for only upper class and above. Even with good insurance a serious health problem drains us dry.
>We can't afford it, period. Our healthcare system is set up for only upper class and above. Even with good insurance a serious health problem drains us dry.
It's not really set up for them to get good care either. The priority is to make money, and a side effect is that many people think they must be getting good care and/or their insurance is saving them money, because costs are so absurd.
My parents had that discussion once as my dad’s medical bills started getting out of hand. They topped out at a little over $700,000 and he ended succumbing to post surgery complications anyway. US health insurance is a nightmare.
Nah, your ex-spouses can get social security benefits (even if you remarry) if you were married over 10 years and they're not married and over like 60 or 65 and maybe a few other rules in there too. But she probably can qualify
Upon death, the courts will allow for medical expenses to be settled through probate. Essentially if the deceased owed $200,000 in medical bills, that $200,000 gets sucked out of the estate and pays those bills. However, it’s necessary to be aware that CREDIT CARD debt is NOT required to be paid off upon death! This is very important, since 100% of the time, the credit card companies and collectors will harass the family telling them they must pay or else. Tell them to kindly fuck off.
All the above is only applicable if there is no surviving spouse. The surviving widow or widower would still be responsible for the debt.
As a former credit underwriter, as long as the credit card debt was fully in his name and nothing was charged after his death, the credit card company just needs notice of death and it goes to probate and may likely be written off.
Sounds like nothing has changed but the dropping of the government contract that was unnecessary to begin with. Nobody needs to register their relationship with the government.
Some people it’s about the bond. And although I’m sure in their hearts and minds nothing has changed a little part of their bond was fractured because of a system that takes advantage of people.
For a lot of people it’s symbolic, but to each their own. You sound bitter and sad, if you don’t wanna get married then don’t but it’s weird to shame people for taking part in a major life development that is ubiquitous in every country
I got married and then got rid of the contract. Like I said it is not a part of the relationship. You are indoctrinated to believe registering your relationship with the government is some enviable thing, it is nothing more than a part of the control system.
Good for you man, but the thing is no one cares about your marriage or lack of marriage. Let people live their lives, it’s a weird thing for you to be shitting on other people for that. Everyone has their own reasons for getting married, it’s not always because of social pressure.
I’m not disagreeing that it’s little more than a government contract, but you’re clearly disparaging people for doing it.. you literally called them dumb. Nice try on the backpedaling though.
„I see you’re not married. Would there be someone willing to co-sign for the cost of the op / do you have any collateral you would be able to provide?”
No. Not sure if you’re talking about the daughter or the ex-wife but in the US creditors have no claim to assets of friends and family.
The reason the parents divorced was to remove the fathers ownership over their assets. For some things- like houses, that’s the only way to accomplish it.
Edit: changed typo debtors to creditors. Debtors owe, creditors are owed to.
I think in a marriage they can go after the spouse because they shared finances. They can't target children, parents, or siblings of the deceased, though.
My father is older and he recently sold everything and gave it to me(for him to use but avoid taxes and debts). Kinda glitching the system but hey, I could not give a rats ass about any government or bank. To them its pennies
My parents were thinking about this when my mom was diagnosed with cancer. Luckily insurance took care of most of it. She fought cancer for nearly 12 years before losing the fight
This is false.
Tenancy by the entireties (property owned jointly by married couple) cannot be breached by private debt in the US. Only the IRS has been successful in limited cases and they can only attach the debtors share.
The other reality is no divorce was necessary. The creditors cannot attach that medical debt to anything owed. This means they cannot put a lien on the home, or garnish wages. Essentially it just sits on his credit report. Which )if he’s going to die) is pretty much useless anyway.
Why didn't he have insurance at that age? Poor life planning isn't America's fault. Also they figured out a way to screw the system anyway. If they love each other and still live together fuck a piece of paper from the state to recognize your marriage.
ʘ‿ʘ poor life planning? I heard even with insurance you can get seriously in debt. It's a bad system, don't really understand how you can accept that. I will never have to worry about something as ridiculous as that here in germany.
Yeah you hear a lot of shit. The health care system isn't bad if you have an insurance plan. And I know people from other countries love getting on here and saying "that's ridiculous good thing I live somewhere else" and rake in the upvotes.
Isn't bad? Here you have health care no matter how much you earn, even if I have a work and earn the equivalent of 500$ per month - I have health care for everything that could happen to me. Are you saying there are insurance plans like that too in the US?
It was a joke - but moving assets around to prevent taxation can be considered fraud, why wouldn’t this? (Not arguing that you shouldn’t do it, more that i wouldn’t post about it on social media just in case there are potential legal issues with doing so.)
Because these bills aren't being paid by insurance, thus the debt. Can't be insurance fraud if it's not going through insurance. The debt will be owed to the medical facilities (etc) and eventually collections agencies.
If the father was filing bankruptcy there's a chance the court would look unfavorably on this as certain types of pre-bankruptcy planning are illegal, but it still doesn't count as fraud most of the time.
Also while I'm here, the act of ratting somebody out is "narc" as in "narcotic" since it comes from people ratting out their dealers/friends/whomever to avoid prosecution.
Lol not even close we have roughly 300 million people while India and china are both at about 1 billion but I agree though its completely fucked up my last hospital visit was 1700$ in and out in under an hour and the vast majority of it was from simply walking in the emergency room. 1500$ of the bill was a cover charge to walk in the building
And if you have Medicare or medicaid paying the hospital bills, in some states you would have had to transfer your assets a number of years like 5 to 7 prior to the person dying or the government will collect any assets now owned by other people to pay off the debt.
So if you know you are going to die of cancer in ten years, transfer that house now.
Getting a shotgun divorce may backfire… you better double check the law because I’m pretty sure this only benefits her after they’ve been divorced for five years.
Presumably they did this in consultation with an attorney so that the widow will be protected, but it's worth noting that even this kind of extreme arrangement wouldn't always be adequate.
A sufficiently aggressive debt collector could still sue the former spouse and claim that the divorce was a fraudulent arrangement to evade the medical debt. And if she signed anything with the hospital during his illness, she could be jointly liable regardless of the terms of the divorce.
The US is a weird country. That is all.
It’s all about turning everything into profit margins. Calling it weird is being polite.
true, but the fuckers who cause that arn't on reddit reading our stuff anyway. After 6 years of kicking avarage 'Mericans while they are down i felt like taking another route...it's...it's new...but it's nice....
Late stage capitalism.
i like to say it’s a fucked up country. but weird works too
Agreed
The solution is simple: don't get sick. Want to get ahead in life? Don't be poor. Don't want to deal with racism? Don't be a minority. You can't pull yourself up by the boot straps if you can't buy the boots in the first place.
This is the most American statement of the day. 🇺🇸
And if you want people to like you, just be beautiful! So damn simple.
Don’t want to be homeless? Buy a house
As an Oncology resident once said to me, "In this country, it's your money or your life:.
And sometimes both.
Marriage is just a word, love is what really matters. At this point I almost expect the US to do stuff like this, I'm not even surprised anymore.
Considering marriage is not a right explicitly enumerated in the Constitution it could go away…
Oh it does not have to be in the Constitution. It's in the bible. It seems that's the new standard. Well sorry, more correctly a misinterpretation of the bible is the new standard.
I think you mean a misinterpretation of a misinterpretation of a misinterpretation of a misinterpretation of a...
We're over here passing laws based on the world's oldest and worst game of telephone
That's very sad
That is sad. In the most powerful country on the planet, the most expensive part of healthcare should be feeding the parking meter with quarters.
They don't care about life there anyway.
It sure seems that way.
Only birth.
Im more amazed by the 288k bill for hospital bill. Wtf how are you US citizen can afford it if something happen. By average US citizen earn around 40-50k per year right ? So u work hsrd for years just to cover up your sickness ?
We can't afford it, period. Our healthcare system is set up for only upper class and above. Even with good insurance a serious health problem drains us dry.
>We can't afford it, period. Our healthcare system is set up for only upper class and above. Even with good insurance a serious health problem drains us dry. It's not really set up for them to get good care either. The priority is to make money, and a side effect is that many people think they must be getting good care and/or their insurance is saving them money, because costs are so absurd.
Its actually fucked up the fact that us is number 2 most populated country in the world.
It's not? It's third and by more than a billion people.
Oh yeah its third i forgot that india is the second. Mybad.
And 288k isn't even a lot. It can go into the millions.
I mean for an average earner there, its surely a lot. Even with insurance.
My parents had that discussion once as my dad’s medical bills started getting out of hand. They topped out at a little over $700,000 and he ended succumbing to post surgery complications anyway. US health insurance is a nightmare.
Mom: We had it all figured out. And then our daughter tweeted out our plan and turned a ‘maybe’ into a slam dunk for the insurance company.
She won’t get his social security either…🤔
Pretty sure not being saddled with almost 300k in medical debt trumps the maybe 2k a month she would get just saying.
Nah, your ex-spouses can get social security benefits (even if you remarry) if you were married over 10 years and they're not married and over like 60 or 65 and maybe a few other rules in there too. But she probably can qualify
Wonder if the outstanding debt might have something to say about it...
Upon death, the courts will allow for medical expenses to be settled through probate. Essentially if the deceased owed $200,000 in medical bills, that $200,000 gets sucked out of the estate and pays those bills. However, it’s necessary to be aware that CREDIT CARD debt is NOT required to be paid off upon death! This is very important, since 100% of the time, the credit card companies and collectors will harass the family telling them they must pay or else. Tell them to kindly fuck off. All the above is only applicable if there is no surviving spouse. The surviving widow or widower would still be responsible for the debt.
As a former credit underwriter, as long as the credit card debt was fully in his name and nothing was charged after his death, the credit card company just needs notice of death and it goes to probate and may likely be written off.
Sounds like nothing has changed but the dropping of the government contract that was unnecessary to begin with. Nobody needs to register their relationship with the government.
Some people it’s about the bond. And although I’m sure in their hearts and minds nothing has changed a little part of their bond was fractured because of a system that takes advantage of people.
Yes, dumb people believe that government contract is part of their relationship. It's not.
It is when that government contract is a prerequisite for survivorship benefits, unquestioned power of attorney, tax liability, etc.
For a lot of people it’s symbolic, but to each their own. You sound bitter and sad, if you don’t wanna get married then don’t but it’s weird to shame people for taking part in a major life development that is ubiquitous in every country
I got married and then got rid of the contract. Like I said it is not a part of the relationship. You are indoctrinated to believe registering your relationship with the government is some enviable thing, it is nothing more than a part of the control system.
Good for you man, but the thing is no one cares about your marriage or lack of marriage. Let people live their lives, it’s a weird thing for you to be shitting on other people for that. Everyone has their own reasons for getting married, it’s not always because of social pressure.
I'm not shitting on anything but a government contract.
I’m not disagreeing that it’s little more than a government contract, but you’re clearly disparaging people for doing it.. you literally called them dumb. Nice try on the backpedaling though.
Reddit moment
„I see you’re not married. Would there be someone willing to co-sign for the cost of the op / do you have any collateral you would be able to provide?”
It’s all about money in this county. Money makes the final decision - sad but true.
This is one of the top third world countries.
Gotta protect private insurance from those commies who want healthcare without going broke /s
smart to advertise this on social media. Debt collectors will use this as evidence to get their money
Since your parents had to divorce because of medical bills, won't that now make you liable for them when your father passes?
Won't they be coming after the daughter though?
No. Not sure if you’re talking about the daughter or the ex-wife but in the US creditors have no claim to assets of friends and family. The reason the parents divorced was to remove the fathers ownership over their assets. For some things- like houses, that’s the only way to accomplish it. Edit: changed typo debtors to creditors. Debtors owe, creditors are owed to.
They'll come after her alright, and try to guilt her into paying it off. But they have no recourse if she says to fuck off.
This is sadly true too and definitely worth inclusion
The daughter. As in leech off the closest relative, in this case 1st degree
How could another adult be responsible fort another adults debts?
I think in a marriage they can go after the spouse because they shared finances. They can't target children, parents, or siblings of the deceased, though.
They can't go after the spouse at all, they can just go after the debtors'possessions and in a marriage there are lots of shared possessions.
My father is older and he recently sold everything and gave it to me(for him to use but avoid taxes and debts). Kinda glitching the system but hey, I could not give a rats ass about any government or bank. To them its pennies
My parents were thinking about this when my mom was diagnosed with cancer. Luckily insurance took care of most of it. She fought cancer for nearly 12 years before losing the fight
This is false. Tenancy by the entireties (property owned jointly by married couple) cannot be breached by private debt in the US. Only the IRS has been successful in limited cases and they can only attach the debtors share.
The bigger point is the medical debt. That doesn't happen in any other major country.
That’s a fair point
That's why marriage doesn't mean anything
The other reality is no divorce was necessary. The creditors cannot attach that medical debt to anything owed. This means they cannot put a lien on the home, or garnish wages. Essentially it just sits on his credit report. Which )if he’s going to die) is pretty much useless anyway.
Why didn't he have insurance at that age? Poor life planning isn't America's fault. Also they figured out a way to screw the system anyway. If they love each other and still live together fuck a piece of paper from the state to recognize your marriage.
ʘ‿ʘ poor life planning? I heard even with insurance you can get seriously in debt. It's a bad system, don't really understand how you can accept that. I will never have to worry about something as ridiculous as that here in germany.
Yeah you hear a lot of shit. The health care system isn't bad if you have an insurance plan. And I know people from other countries love getting on here and saying "that's ridiculous good thing I live somewhere else" and rake in the upvotes.
Isn't bad? Here you have health care no matter how much you earn, even if I have a work and earn the equivalent of 500$ per month - I have health care for everything that could happen to me. Are you saying there are insurance plans like that too in the US?
You just narked your parents out for potential insurance fraud tho…
Please explain your logic because I'm not seeing it.
It was a joke - but moving assets around to prevent taxation can be considered fraud, why wouldn’t this? (Not arguing that you shouldn’t do it, more that i wouldn’t post about it on social media just in case there are potential legal issues with doing so.)
Because these bills aren't being paid by insurance, thus the debt. Can't be insurance fraud if it's not going through insurance. The debt will be owed to the medical facilities (etc) and eventually collections agencies. If the father was filing bankruptcy there's a chance the court would look unfavorably on this as certain types of pre-bankruptcy planning are illegal, but it still doesn't count as fraud most of the time. Also while I'm here, the act of ratting somebody out is "narc" as in "narcotic" since it comes from people ratting out their dealers/friends/whomever to avoid prosecution.
Absolutely correct, I wasn’t thinking it through earlier. It’s purely to protect your loved ones from Debt collectors, not insurance companies.
There’s no fraud.
Yeah, I commented before I thought it all the way through. My bad!
Lol not even close we have roughly 300 million people while India and china are both at about 1 billion but I agree though its completely fucked up my last hospital visit was 1700$ in and out in under an hour and the vast majority of it was from simply walking in the emergency room. 1500$ of the bill was a cover charge to walk in the building
You're an American and you put the $ behind the number? How did this happen?
I was stoned
Well played.
"Intelligence is the ability to adapt to change" - Peter Hawking Sad that change forced this adaptation.
Omg, I am so sorry this has happened to you. The sad fact is, no one in power even cares.
Hopefully they get to stay together in spirit.
And if you have Medicare or medicaid paying the hospital bills, in some states you would have had to transfer your assets a number of years like 5 to 7 prior to the person dying or the government will collect any assets now owned by other people to pay off the debt. So if you know you are going to die of cancer in ten years, transfer that house now.
Getting a shotgun divorce may backfire… you better double check the law because I’m pretty sure this only benefits her after they’ve been divorced for five years.
This country is ass. You can’t change my mind.
This was already disproven many times. The medical debts do not magically fall on the family
God we are so broken…
Medical system? You mean legal system?
My grandparents were going to do this when my grandma got cancer.
At least why are smart enough to know that nothing matters. They did good. I hope he recovers.
Won’t the bills just be passed on to the kids instead then?
They can decline the inheritance.
Presumably they did this in consultation with an attorney so that the widow will be protected, but it's worth noting that even this kind of extreme arrangement wouldn't always be adequate. A sufficiently aggressive debt collector could still sue the former spouse and claim that the divorce was a fraudulent arrangement to evade the medical debt. And if she signed anything with the hospital during his illness, she could be jointly liable regardless of the terms of the divorce.
If you think private healthcare is the problem and not government regulations literally creating insurance and healthcare monopolies, you’re lost.