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Information for voting in November - PLEASE READ
- Thread starter serendipity730
- Start date
Yea like Brad Has said, there's no reason at all that politics should not be discussed on this site. But hold on- there's a simple solution, if you don't like our discussion- don't read it. Nobody's holding a desert eagle handgun to your head and making you read them. Common sense only dictates that if you have an inclination to steer clear of anything not CF related, then you should simply avoid the OFF TOPIC section. But people should not stop discussing politics to satisfy a few members. Health care is a vital subject for us, and this is probably the most exciting election in my lifetime.
Yea like Brad Has said, there's no reason at all that politics should not be discussed on this site. But hold on- there's a simple solution, if you don't like our discussion- don't read it. Nobody's holding a desert eagle handgun to your head and making you read them. Common sense only dictates that if you have an inclination to steer clear of anything not CF related, then you should simply avoid the OFF TOPIC section. But people should not stop discussing politics to satisfy a few members. Health care is a vital subject for us, and this is probably the most exciting election in my lifetime.
Yea like Brad Has said, there's no reason at all that politics should not be discussed on this site. But hold on- there's a simple solution, if you don't like our discussion- don't read it. Nobody's holding a desert eagle handgun to your head and making you read them. Common sense only dictates that if you have an inclination to steer clear of anything not CF related, then you should simply avoid the OFF TOPIC section. But people should not stop discussing politics to satisfy a few members. Health care is a vital subject for us, and this is probably the most exciting election in my lifetime.
Yea like Brad Has said, there's no reason at all that politics should not be discussed on this site. But hold on- there's a simple solution, if you don't like our discussion- don't read it. Nobody's holding a desert eagle handgun to your head and making you read them. Common sense only dictates that if you have an inclination to steer clear of anything not CF related, then you should simply avoid the OFF TOPIC section. But people should not stop discussing politics to satisfy a few members. Health care is a vital subject for us, and this is probably the most exciting election in my lifetime.
Yea like Brad Has said, there's no reason at all that politics should not be discussed on this site. But hold on- there's a simple solution, if you don't like our discussion- don't read it. Nobody's holding a desert eagle handgun to your head and making you read them. Common sense only dictates that if you have an inclination to steer clear of anything not CF related, then you should simply avoid the OFF TOPIC section. But people should not stop discussing politics to satisfy a few members. Health care is a vital subject for us, and this is probably the most exciting election in my lifetime.
kayleesgrandma
New member
<b>Pam</b>, I don't understand what you mean about our "light-hearted" site. This seems to echo past criticisms that some here at the site couldn't handle the harsher realities of cf--though we have yet to find <u>anyone</u> who feels that way. I don't think you should tivialize the concerns that people have been expressing in the threads and in their blogs--they certainly haven't appeared to be "light-hearted" to me. What relevant subjects do you think aren't being discussed? Did you post one that I missed? If you haven't, then please do so, and I'm sure you will discover that there are plenty of people here who would love a good, intelligent discussion.
<b>Scottius</b><i>--"And if I go bankrupt due to medical bills and ridiculously high premiums due to my "pre-existing condition," it will be all the harder for me, as the majority party at the time (who shall remain nameless but starts with an R) refused to exempt medical bankruptcy from their tough new Consumer Bankrupcy Law. Without public discourse on forums such as these, it makes it all the easier for the powers-that-be to hide their actions." </i>
I don't know where you got your information, but I went through pages and pages of sites about the 2005 law, and nowhere did I find that medical bills were exempt.
>Myth 1: <u>Under the New Bankruptcy Law, There's No More Bankruptcy </u>
We've heard a lot of misinformation about this. Some of the worst falsehoods are
<You cannot discharge medical bills under the new Bankruptcy laws
<a target=_blank class=ftalternatingbarlinklarge href="http://www.bankruptcy-info.com/myths.php
">http://www.bankruptcy-info.com/myths.php
</a>
-----------------------------------------------------------
>Since its passage, much mis- and disinformation has circulated about
BAPCPA's effects, with clients indicating that the primary sources are collection agents anxious to prevent consumers from filing for bankruptcy relief. Among the falsehoods clients report being told are:
. Bankruptcy laws have been repealed;
. Only corporations can file for bankruptcy;
. Credit card bills cannot be discharged;
.<u> Medical bills cannot be discharged</u>;
. Taxes cannot be discharged;
. Foreclosures cannot be stopped by bankruptcy; and
. A written test must be passed before bankruptcy can be filed.
All of these statements are false.
PDF] "NOT DEAD YET:" BANKRUPTCY AFTER BAPCPA Brett Weiss File Format: PDF/Adobe Acrobat - View as HTML
bankruptcy law. He may be reached at lawyer@brettweiss.com. .... people file for bankruptcy relief under the Bankruptcy Code." ...
www.nacba.org/s/30_140662bd68076ef/files/B%20Weiss%20-%20Not%20Dead%20Yet-Bankruptcy%20After%20BAPCPA.pdf
-----------------------------------------------------------
>After Chapter 7 bankruptcy, you will not longer owe money on:
Credit cards;
Retail charge cards, such as department stores;
Unsecured loans from banks, credit unions, finance companies, friends, or relatives (an unsecured loan is one in which no item was pledged as collateral);
Unpaid hospital and medical bills;
Unpaid utility bills; and
Unpaid rent (but you must move).
<a target=_blank class=ftalternatingbarlinklarge href="http://www.ext.vt.edu/pubs/family/354-045/354-045.html#L3
">http://www.ext.vt.edu/pubs/fam...354-045.html#L3
</a>
-----------------------------------------------------------
>Under the new bankruptcy law Congress included an amendment that allows ongoing and future medical expenses for an individual or a family member to be excluded from the means test. The effect is that people who need treatment and are out of money should still be able to file for Chapter 7 protection
https://www.onlinebankruptcyschool.com/mod/resource/view.php?id=32
----------------------------------------------------------->85% of filers will still be able to file chap 7. Most unsecured debt is erased in a bankruptcy except for:
Child support and alimony;
Debts for personal injury or death caused by your
drunk driving;
Student Loans.
Income tax debt
<a target=_blank class=ftalternatingbarlinklarge href="http://www.bankruptcyaction.com/Chapter7NewLaw.htm#meanstest
">http://www.bankruptcyaction.co...w.htm#meanstest
</a>
-----------------------------------------------------------
Bidden and McCain both voted for passage of the new law, Clinton didn't vote, Obama voted nay...18 Democrats voted for the bill--2 Democrats didn't vote (which basically is a "yay" vote...) So 20 out of the 55 votes were Democrats.
<a target=_blank class=ftalternatingbarlinklarge href="http://www.senate.gov/legislative/LIS/roll_call_lists/roll_call_vote_cfm.cfm?congress=109&session=1&vote=00044#positio
">http://www.senate.gov/legislat...e=00044#positio
</a>
The significant Democratic support for this bill may well make it more difficult for the party to distinguish itself clearly in the future from Republicans on economic issues that remain of key interest to low and middle-income voters.
Also, it is interesting to note that Bidden has major contributers from credit card companies, his state has an active business in supporting credit card companies, and his son is also a lobbiest for credit card companies (though none of them lobby his father.) Credit card companies were a major push behind this bill.
I agree that political discourse should be allowed on the site--not only because of health issues, but because politics affects everyone--there are so many issues today that people care about, and we should be allowed to discuss them--as long as we are respectful.
<b>Scottius</b><i>--"And if I go bankrupt due to medical bills and ridiculously high premiums due to my "pre-existing condition," it will be all the harder for me, as the majority party at the time (who shall remain nameless but starts with an R) refused to exempt medical bankruptcy from their tough new Consumer Bankrupcy Law. Without public discourse on forums such as these, it makes it all the easier for the powers-that-be to hide their actions." </i>
I don't know where you got your information, but I went through pages and pages of sites about the 2005 law, and nowhere did I find that medical bills were exempt.
>Myth 1: <u>Under the New Bankruptcy Law, There's No More Bankruptcy </u>
We've heard a lot of misinformation about this. Some of the worst falsehoods are
<You cannot discharge medical bills under the new Bankruptcy laws
<a target=_blank class=ftalternatingbarlinklarge href="http://www.bankruptcy-info.com/myths.php
">http://www.bankruptcy-info.com/myths.php
</a>
-----------------------------------------------------------
>Since its passage, much mis- and disinformation has circulated about
BAPCPA's effects, with clients indicating that the primary sources are collection agents anxious to prevent consumers from filing for bankruptcy relief. Among the falsehoods clients report being told are:
. Bankruptcy laws have been repealed;
. Only corporations can file for bankruptcy;
. Credit card bills cannot be discharged;
.<u> Medical bills cannot be discharged</u>;
. Taxes cannot be discharged;
. Foreclosures cannot be stopped by bankruptcy; and
. A written test must be passed before bankruptcy can be filed.
All of these statements are false.
PDF] "NOT DEAD YET:" BANKRUPTCY AFTER BAPCPA Brett Weiss File Format: PDF/Adobe Acrobat - View as HTML
bankruptcy law. He may be reached at lawyer@brettweiss.com. .... people file for bankruptcy relief under the Bankruptcy Code." ...
www.nacba.org/s/30_140662bd68076ef/files/B%20Weiss%20-%20Not%20Dead%20Yet-Bankruptcy%20After%20BAPCPA.pdf
-----------------------------------------------------------
>After Chapter 7 bankruptcy, you will not longer owe money on:
Credit cards;
Retail charge cards, such as department stores;
Unsecured loans from banks, credit unions, finance companies, friends, or relatives (an unsecured loan is one in which no item was pledged as collateral);
Unpaid hospital and medical bills;
Unpaid utility bills; and
Unpaid rent (but you must move).
<a target=_blank class=ftalternatingbarlinklarge href="http://www.ext.vt.edu/pubs/family/354-045/354-045.html#L3
">http://www.ext.vt.edu/pubs/fam...354-045.html#L3
</a>
-----------------------------------------------------------
>Under the new bankruptcy law Congress included an amendment that allows ongoing and future medical expenses for an individual or a family member to be excluded from the means test. The effect is that people who need treatment and are out of money should still be able to file for Chapter 7 protection
https://www.onlinebankruptcyschool.com/mod/resource/view.php?id=32
----------------------------------------------------------->85% of filers will still be able to file chap 7. Most unsecured debt is erased in a bankruptcy except for:
Child support and alimony;
Debts for personal injury or death caused by your
drunk driving;
Student Loans.
Income tax debt
<a target=_blank class=ftalternatingbarlinklarge href="http://www.bankruptcyaction.com/Chapter7NewLaw.htm#meanstest
">http://www.bankruptcyaction.co...w.htm#meanstest
</a>
-----------------------------------------------------------
Bidden and McCain both voted for passage of the new law, Clinton didn't vote, Obama voted nay...18 Democrats voted for the bill--2 Democrats didn't vote (which basically is a "yay" vote...) So 20 out of the 55 votes were Democrats.
<a target=_blank class=ftalternatingbarlinklarge href="http://www.senate.gov/legislative/LIS/roll_call_lists/roll_call_vote_cfm.cfm?congress=109&session=1&vote=00044#positio
">http://www.senate.gov/legislat...e=00044#positio
</a>
The significant Democratic support for this bill may well make it more difficult for the party to distinguish itself clearly in the future from Republicans on economic issues that remain of key interest to low and middle-income voters.
Also, it is interesting to note that Bidden has major contributers from credit card companies, his state has an active business in supporting credit card companies, and his son is also a lobbiest for credit card companies (though none of them lobby his father.) Credit card companies were a major push behind this bill.
I agree that political discourse should be allowed on the site--not only because of health issues, but because politics affects everyone--there are so many issues today that people care about, and we should be allowed to discuss them--as long as we are respectful.
kayleesgrandma
New member
<b>Pam</b>, I don't understand what you mean about our "light-hearted" site. This seems to echo past criticisms that some here at the site couldn't handle the harsher realities of cf--though we have yet to find <u>anyone</u> who feels that way. I don't think you should tivialize the concerns that people have been expressing in the threads and in their blogs--they certainly haven't appeared to be "light-hearted" to me. What relevant subjects do you think aren't being discussed? Did you post one that I missed? If you haven't, then please do so, and I'm sure you will discover that there are plenty of people here who would love a good, intelligent discussion.
<b>Scottius</b><i>--"And if I go bankrupt due to medical bills and ridiculously high premiums due to my "pre-existing condition," it will be all the harder for me, as the majority party at the time (who shall remain nameless but starts with an R) refused to exempt medical bankruptcy from their tough new Consumer Bankrupcy Law. Without public discourse on forums such as these, it makes it all the easier for the powers-that-be to hide their actions." </i>
I don't know where you got your information, but I went through pages and pages of sites about the 2005 law, and nowhere did I find that medical bills were exempt.
>Myth 1: <u>Under the New Bankruptcy Law, There's No More Bankruptcy </u>
We've heard a lot of misinformation about this. Some of the worst falsehoods are
<You cannot discharge medical bills under the new Bankruptcy laws
<a target=_blank class=ftalternatingbarlinklarge href="http://www.bankruptcy-info.com/myths.php
">http://www.bankruptcy-info.com/myths.php
</a>
-----------------------------------------------------------
>Since its passage, much mis- and disinformation has circulated about
BAPCPA's effects, with clients indicating that the primary sources are collection agents anxious to prevent consumers from filing for bankruptcy relief. Among the falsehoods clients report being told are:
. Bankruptcy laws have been repealed;
. Only corporations can file for bankruptcy;
. Credit card bills cannot be discharged;
.<u> Medical bills cannot be discharged</u>;
. Taxes cannot be discharged;
. Foreclosures cannot be stopped by bankruptcy; and
. A written test must be passed before bankruptcy can be filed.
All of these statements are false.
PDF] "NOT DEAD YET:" BANKRUPTCY AFTER BAPCPA Brett Weiss File Format: PDF/Adobe Acrobat - View as HTML
bankruptcy law. He may be reached at lawyer@brettweiss.com. .... people file for bankruptcy relief under the Bankruptcy Code." ...
www.nacba.org/s/30_140662bd68076ef/files/B%20Weiss%20-%20Not%20Dead%20Yet-Bankruptcy%20After%20BAPCPA.pdf
-----------------------------------------------------------
>After Chapter 7 bankruptcy, you will not longer owe money on:
Credit cards;
Retail charge cards, such as department stores;
Unsecured loans from banks, credit unions, finance companies, friends, or relatives (an unsecured loan is one in which no item was pledged as collateral);
Unpaid hospital and medical bills;
Unpaid utility bills; and
Unpaid rent (but you must move).
<a target=_blank class=ftalternatingbarlinklarge href="http://www.ext.vt.edu/pubs/family/354-045/354-045.html#L3
">http://www.ext.vt.edu/pubs/fam...354-045.html#L3
</a>
-----------------------------------------------------------
>Under the new bankruptcy law Congress included an amendment that allows ongoing and future medical expenses for an individual or a family member to be excluded from the means test. The effect is that people who need treatment and are out of money should still be able to file for Chapter 7 protection
https://www.onlinebankruptcyschool.com/mod/resource/view.php?id=32
----------------------------------------------------------->85% of filers will still be able to file chap 7. Most unsecured debt is erased in a bankruptcy except for:
Child support and alimony;
Debts for personal injury or death caused by your
drunk driving;
Student Loans.
Income tax debt
<a target=_blank class=ftalternatingbarlinklarge href="http://www.bankruptcyaction.com/Chapter7NewLaw.htm#meanstest
">http://www.bankruptcyaction.co...w.htm#meanstest
</a>
-----------------------------------------------------------
Bidden and McCain both voted for passage of the new law, Clinton didn't vote, Obama voted nay...18 Democrats voted for the bill--2 Democrats didn't vote (which basically is a "yay" vote...) So 20 out of the 55 votes were Democrats.
<a target=_blank class=ftalternatingbarlinklarge href="http://www.senate.gov/legislative/LIS/roll_call_lists/roll_call_vote_cfm.cfm?congress=109&session=1&vote=00044#positio
">http://www.senate.gov/legislat...e=00044#positio
</a>
The significant Democratic support for this bill may well make it more difficult for the party to distinguish itself clearly in the future from Republicans on economic issues that remain of key interest to low and middle-income voters.
Also, it is interesting to note that Bidden has major contributers from credit card companies, his state has an active business in supporting credit card companies, and his son is also a lobbiest for credit card companies (though none of them lobby his father.) Credit card companies were a major push behind this bill.
I agree that political discourse should be allowed on the site--not only because of health issues, but because politics affects everyone--there are so many issues today that people care about, and we should be allowed to discuss them--as long as we are respectful.
<b>Scottius</b><i>--"And if I go bankrupt due to medical bills and ridiculously high premiums due to my "pre-existing condition," it will be all the harder for me, as the majority party at the time (who shall remain nameless but starts with an R) refused to exempt medical bankruptcy from their tough new Consumer Bankrupcy Law. Without public discourse on forums such as these, it makes it all the easier for the powers-that-be to hide their actions." </i>
I don't know where you got your information, but I went through pages and pages of sites about the 2005 law, and nowhere did I find that medical bills were exempt.
>Myth 1: <u>Under the New Bankruptcy Law, There's No More Bankruptcy </u>
We've heard a lot of misinformation about this. Some of the worst falsehoods are
<You cannot discharge medical bills under the new Bankruptcy laws
<a target=_blank class=ftalternatingbarlinklarge href="http://www.bankruptcy-info.com/myths.php
">http://www.bankruptcy-info.com/myths.php
</a>
-----------------------------------------------------------
>Since its passage, much mis- and disinformation has circulated about
BAPCPA's effects, with clients indicating that the primary sources are collection agents anxious to prevent consumers from filing for bankruptcy relief. Among the falsehoods clients report being told are:
. Bankruptcy laws have been repealed;
. Only corporations can file for bankruptcy;
. Credit card bills cannot be discharged;
.<u> Medical bills cannot be discharged</u>;
. Taxes cannot be discharged;
. Foreclosures cannot be stopped by bankruptcy; and
. A written test must be passed before bankruptcy can be filed.
All of these statements are false.
PDF] "NOT DEAD YET:" BANKRUPTCY AFTER BAPCPA Brett Weiss File Format: PDF/Adobe Acrobat - View as HTML
bankruptcy law. He may be reached at lawyer@brettweiss.com. .... people file for bankruptcy relief under the Bankruptcy Code." ...
www.nacba.org/s/30_140662bd68076ef/files/B%20Weiss%20-%20Not%20Dead%20Yet-Bankruptcy%20After%20BAPCPA.pdf
-----------------------------------------------------------
>After Chapter 7 bankruptcy, you will not longer owe money on:
Credit cards;
Retail charge cards, such as department stores;
Unsecured loans from banks, credit unions, finance companies, friends, or relatives (an unsecured loan is one in which no item was pledged as collateral);
Unpaid hospital and medical bills;
Unpaid utility bills; and
Unpaid rent (but you must move).
<a target=_blank class=ftalternatingbarlinklarge href="http://www.ext.vt.edu/pubs/family/354-045/354-045.html#L3
">http://www.ext.vt.edu/pubs/fam...354-045.html#L3
</a>
-----------------------------------------------------------
>Under the new bankruptcy law Congress included an amendment that allows ongoing and future medical expenses for an individual or a family member to be excluded from the means test. The effect is that people who need treatment and are out of money should still be able to file for Chapter 7 protection
https://www.onlinebankruptcyschool.com/mod/resource/view.php?id=32
----------------------------------------------------------->85% of filers will still be able to file chap 7. Most unsecured debt is erased in a bankruptcy except for:
Child support and alimony;
Debts for personal injury or death caused by your
drunk driving;
Student Loans.
Income tax debt
<a target=_blank class=ftalternatingbarlinklarge href="http://www.bankruptcyaction.com/Chapter7NewLaw.htm#meanstest
">http://www.bankruptcyaction.co...w.htm#meanstest
</a>
-----------------------------------------------------------
Bidden and McCain both voted for passage of the new law, Clinton didn't vote, Obama voted nay...18 Democrats voted for the bill--2 Democrats didn't vote (which basically is a "yay" vote...) So 20 out of the 55 votes were Democrats.
<a target=_blank class=ftalternatingbarlinklarge href="http://www.senate.gov/legislative/LIS/roll_call_lists/roll_call_vote_cfm.cfm?congress=109&session=1&vote=00044#positio
">http://www.senate.gov/legislat...e=00044#positio
</a>
The significant Democratic support for this bill may well make it more difficult for the party to distinguish itself clearly in the future from Republicans on economic issues that remain of key interest to low and middle-income voters.
Also, it is interesting to note that Bidden has major contributers from credit card companies, his state has an active business in supporting credit card companies, and his son is also a lobbiest for credit card companies (though none of them lobby his father.) Credit card companies were a major push behind this bill.
I agree that political discourse should be allowed on the site--not only because of health issues, but because politics affects everyone--there are so many issues today that people care about, and we should be allowed to discuss them--as long as we are respectful.
kayleesgrandma
New member
<b>Pam</b>, I don't understand what you mean about our "light-hearted" site. This seems to echo past criticisms that some here at the site couldn't handle the harsher realities of cf--though we have yet to find <u>anyone</u> who feels that way. I don't think you should tivialize the concerns that people have been expressing in the threads and in their blogs--they certainly haven't appeared to be "light-hearted" to me. What relevant subjects do you think aren't being discussed? Did you post one that I missed? If you haven't, then please do so, and I'm sure you will discover that there are plenty of people here who would love a good, intelligent discussion.
<b>Scottius</b><i>--"And if I go bankrupt due to medical bills and ridiculously high premiums due to my "pre-existing condition," it will be all the harder for me, as the majority party at the time (who shall remain nameless but starts with an R) refused to exempt medical bankruptcy from their tough new Consumer Bankrupcy Law. Without public discourse on forums such as these, it makes it all the easier for the powers-that-be to hide their actions." </i>
I don't know where you got your information, but I went through pages and pages of sites about the 2005 law, and nowhere did I find that medical bills were exempt.
>Myth 1: <u>Under the New Bankruptcy Law, There's No More Bankruptcy </u>
We've heard a lot of misinformation about this. Some of the worst falsehoods are
<You cannot discharge medical bills under the new Bankruptcy laws
<a target=_blank class=ftalternatingbarlinklarge href="http://www.bankruptcy-info.com/myths.php
">http://www.bankruptcy-info.com/myths.php
</a>
-----------------------------------------------------------
>Since its passage, much mis- and disinformation has circulated about
BAPCPA's effects, with clients indicating that the primary sources are collection agents anxious to prevent consumers from filing for bankruptcy relief. Among the falsehoods clients report being told are:
. Bankruptcy laws have been repealed;
. Only corporations can file for bankruptcy;
. Credit card bills cannot be discharged;
.<u> Medical bills cannot be discharged</u>;
. Taxes cannot be discharged;
. Foreclosures cannot be stopped by bankruptcy; and
. A written test must be passed before bankruptcy can be filed.
All of these statements are false.
PDF] "NOT DEAD YET:" BANKRUPTCY AFTER BAPCPA Brett Weiss File Format: PDF/Adobe Acrobat - View as HTML
bankruptcy law. He may be reached at lawyer@brettweiss.com. .... people file for bankruptcy relief under the Bankruptcy Code." ...
www.nacba.org/s/30_140662bd68076ef/files/B%20Weiss%20-%20Not%20Dead%20Yet-Bankruptcy%20After%20BAPCPA.pdf
-----------------------------------------------------------
>After Chapter 7 bankruptcy, you will not longer owe money on:
Credit cards;
Retail charge cards, such as department stores;
Unsecured loans from banks, credit unions, finance companies, friends, or relatives (an unsecured loan is one in which no item was pledged as collateral);
Unpaid hospital and medical bills;
Unpaid utility bills; and
Unpaid rent (but you must move).
<a target=_blank class=ftalternatingbarlinklarge href="http://www.ext.vt.edu/pubs/family/354-045/354-045.html#L3
">http://www.ext.vt.edu/pubs/fam...354-045.html#L3
</a>
-----------------------------------------------------------
>Under the new bankruptcy law Congress included an amendment that allows ongoing and future medical expenses for an individual or a family member to be excluded from the means test. The effect is that people who need treatment and are out of money should still be able to file for Chapter 7 protection
https://www.onlinebankruptcyschool.com/mod/resource/view.php?id=32
----------------------------------------------------------->85% of filers will still be able to file chap 7. Most unsecured debt is erased in a bankruptcy except for:
Child support and alimony;
Debts for personal injury or death caused by your
drunk driving;
Student Loans.
Income tax debt
<a target=_blank class=ftalternatingbarlinklarge href="http://www.bankruptcyaction.com/Chapter7NewLaw.htm#meanstest
">http://www.bankruptcyaction.co...w.htm#meanstest
</a>
-----------------------------------------------------------
Bidden and McCain both voted for passage of the new law, Clinton didn't vote, Obama voted nay...18 Democrats voted for the bill--2 Democrats didn't vote (which basically is a "yay" vote...) So 20 out of the 55 votes were Democrats.
<a target=_blank class=ftalternatingbarlinklarge href="http://www.senate.gov/legislative/LIS/roll_call_lists/roll_call_vote_cfm.cfm?congress=109&session=1&vote=00044#positio
">http://www.senate.gov/legislat...e=00044#positio
</a>
The significant Democratic support for this bill may well make it more difficult for the party to distinguish itself clearly in the future from Republicans on economic issues that remain of key interest to low and middle-income voters.
Also, it is interesting to note that Bidden has major contributers from credit card companies, his state has an active business in supporting credit card companies, and his son is also a lobbiest for credit card companies (though none of them lobby his father.) Credit card companies were a major push behind this bill.
I agree that political discourse should be allowed on the site--not only because of health issues, but because politics affects everyone--there are so many issues today that people care about, and we should be allowed to discuss them--as long as we are respectful.
<b>Scottius</b><i>--"And if I go bankrupt due to medical bills and ridiculously high premiums due to my "pre-existing condition," it will be all the harder for me, as the majority party at the time (who shall remain nameless but starts with an R) refused to exempt medical bankruptcy from their tough new Consumer Bankrupcy Law. Without public discourse on forums such as these, it makes it all the easier for the powers-that-be to hide their actions." </i>
I don't know where you got your information, but I went through pages and pages of sites about the 2005 law, and nowhere did I find that medical bills were exempt.
>Myth 1: <u>Under the New Bankruptcy Law, There's No More Bankruptcy </u>
We've heard a lot of misinformation about this. Some of the worst falsehoods are
<You cannot discharge medical bills under the new Bankruptcy laws
<a target=_blank class=ftalternatingbarlinklarge href="http://www.bankruptcy-info.com/myths.php
">http://www.bankruptcy-info.com/myths.php
</a>
-----------------------------------------------------------
>Since its passage, much mis- and disinformation has circulated about
BAPCPA's effects, with clients indicating that the primary sources are collection agents anxious to prevent consumers from filing for bankruptcy relief. Among the falsehoods clients report being told are:
. Bankruptcy laws have been repealed;
. Only corporations can file for bankruptcy;
. Credit card bills cannot be discharged;
.<u> Medical bills cannot be discharged</u>;
. Taxes cannot be discharged;
. Foreclosures cannot be stopped by bankruptcy; and
. A written test must be passed before bankruptcy can be filed.
All of these statements are false.
PDF] "NOT DEAD YET:" BANKRUPTCY AFTER BAPCPA Brett Weiss File Format: PDF/Adobe Acrobat - View as HTML
bankruptcy law. He may be reached at lawyer@brettweiss.com. .... people file for bankruptcy relief under the Bankruptcy Code." ...
www.nacba.org/s/30_140662bd68076ef/files/B%20Weiss%20-%20Not%20Dead%20Yet-Bankruptcy%20After%20BAPCPA.pdf
-----------------------------------------------------------
>After Chapter 7 bankruptcy, you will not longer owe money on:
Credit cards;
Retail charge cards, such as department stores;
Unsecured loans from banks, credit unions, finance companies, friends, or relatives (an unsecured loan is one in which no item was pledged as collateral);
Unpaid hospital and medical bills;
Unpaid utility bills; and
Unpaid rent (but you must move).
<a target=_blank class=ftalternatingbarlinklarge href="http://www.ext.vt.edu/pubs/family/354-045/354-045.html#L3
">http://www.ext.vt.edu/pubs/fam...354-045.html#L3
</a>
-----------------------------------------------------------
>Under the new bankruptcy law Congress included an amendment that allows ongoing and future medical expenses for an individual or a family member to be excluded from the means test. The effect is that people who need treatment and are out of money should still be able to file for Chapter 7 protection
https://www.onlinebankruptcyschool.com/mod/resource/view.php?id=32
----------------------------------------------------------->85% of filers will still be able to file chap 7. Most unsecured debt is erased in a bankruptcy except for:
Child support and alimony;
Debts for personal injury or death caused by your
drunk driving;
Student Loans.
Income tax debt
<a target=_blank class=ftalternatingbarlinklarge href="http://www.bankruptcyaction.com/Chapter7NewLaw.htm#meanstest
">http://www.bankruptcyaction.co...w.htm#meanstest
</a>
-----------------------------------------------------------
Bidden and McCain both voted for passage of the new law, Clinton didn't vote, Obama voted nay...18 Democrats voted for the bill--2 Democrats didn't vote (which basically is a "yay" vote...) So 20 out of the 55 votes were Democrats.
<a target=_blank class=ftalternatingbarlinklarge href="http://www.senate.gov/legislative/LIS/roll_call_lists/roll_call_vote_cfm.cfm?congress=109&session=1&vote=00044#positio
">http://www.senate.gov/legislat...e=00044#positio
</a>
The significant Democratic support for this bill may well make it more difficult for the party to distinguish itself clearly in the future from Republicans on economic issues that remain of key interest to low and middle-income voters.
Also, it is interesting to note that Bidden has major contributers from credit card companies, his state has an active business in supporting credit card companies, and his son is also a lobbiest for credit card companies (though none of them lobby his father.) Credit card companies were a major push behind this bill.
I agree that political discourse should be allowed on the site--not only because of health issues, but because politics affects everyone--there are so many issues today that people care about, and we should be allowed to discuss them--as long as we are respectful.
kayleesgrandma
New member
<b>Pam</b>, I don't understand what you mean about our "light-hearted" site. This seems to echo past criticisms that some here at the site couldn't handle the harsher realities of cf--though we have yet to find <u>anyone</u> who feels that way. I don't think you should tivialize the concerns that people have been expressing in the threads and in their blogs--they certainly haven't appeared to be "light-hearted" to me. What relevant subjects do you think aren't being discussed? Did you post one that I missed? If you haven't, then please do so, and I'm sure you will discover that there are plenty of people here who would love a good, intelligent discussion.
<b>Scottius</b><i>--"And if I go bankrupt due to medical bills and ridiculously high premiums due to my "pre-existing condition," it will be all the harder for me, as the majority party at the time (who shall remain nameless but starts with an R) refused to exempt medical bankruptcy from their tough new Consumer Bankrupcy Law. Without public discourse on forums such as these, it makes it all the easier for the powers-that-be to hide their actions." </i>
I don't know where you got your information, but I went through pages and pages of sites about the 2005 law, and nowhere did I find that medical bills were exempt.
>Myth 1: <u>Under the New Bankruptcy Law, There's No More Bankruptcy </u>
We've heard a lot of misinformation about this. Some of the worst falsehoods are
<You cannot discharge medical bills under the new Bankruptcy laws
<a target=_blank class=ftalternatingbarlinklarge href="http://www.bankruptcy-info.com/myths.php
">http://www.bankruptcy-info.com/myths.php
</a>
-----------------------------------------------------------
>Since its passage, much mis- and disinformation has circulated about
BAPCPA's effects, with clients indicating that the primary sources are collection agents anxious to prevent consumers from filing for bankruptcy relief. Among the falsehoods clients report being told are:
. Bankruptcy laws have been repealed;
. Only corporations can file for bankruptcy;
. Credit card bills cannot be discharged;
.<u> Medical bills cannot be discharged</u>;
. Taxes cannot be discharged;
. Foreclosures cannot be stopped by bankruptcy; and
. A written test must be passed before bankruptcy can be filed.
All of these statements are false.
PDF] "NOT DEAD YET:" BANKRUPTCY AFTER BAPCPA Brett Weiss File Format: PDF/Adobe Acrobat - View as HTML
bankruptcy law. He may be reached at lawyer@brettweiss.com. .... people file for bankruptcy relief under the Bankruptcy Code." ...
www.nacba.org/s/30_140662bd68076ef/files/B%20Weiss%20-%20Not%20Dead%20Yet-Bankruptcy%20After%20BAPCPA.pdf
-----------------------------------------------------------
>After Chapter 7 bankruptcy, you will not longer owe money on:
Credit cards;
Retail charge cards, such as department stores;
Unsecured loans from banks, credit unions, finance companies, friends, or relatives (an unsecured loan is one in which no item was pledged as collateral);
Unpaid hospital and medical bills;
Unpaid utility bills; and
Unpaid rent (but you must move).
<a target=_blank class=ftalternatingbarlinklarge href="http://www.ext.vt.edu/pubs/family/354-045/354-045.html#L3
">http://www.ext.vt.edu/pubs/fam...354-045.html#L3
</a>
-----------------------------------------------------------
>Under the new bankruptcy law Congress included an amendment that allows ongoing and future medical expenses for an individual or a family member to be excluded from the means test. The effect is that people who need treatment and are out of money should still be able to file for Chapter 7 protection
https://www.onlinebankruptcyschool.com/mod/resource/view.php?id=32
----------------------------------------------------------->85% of filers will still be able to file chap 7. Most unsecured debt is erased in a bankruptcy except for:
Child support and alimony;
Debts for personal injury or death caused by your
drunk driving;
Student Loans.
Income tax debt
<a target=_blank class=ftalternatingbarlinklarge href="http://www.bankruptcyaction.com/Chapter7NewLaw.htm#meanstest
">http://www.bankruptcyaction.co...w.htm#meanstest
</a>
-----------------------------------------------------------
Bidden and McCain both voted for passage of the new law, Clinton didn't vote, Obama voted nay...18 Democrats voted for the bill--2 Democrats didn't vote (which basically is a "yay" vote...) So 20 out of the 55 votes were Democrats.
<a target=_blank class=ftalternatingbarlinklarge href="http://www.senate.gov/legislative/LIS/roll_call_lists/roll_call_vote_cfm.cfm?congress=109&session=1&vote=00044#positio
">http://www.senate.gov/legislat...e=00044#positio
</a>
The significant Democratic support for this bill may well make it more difficult for the party to distinguish itself clearly in the future from Republicans on economic issues that remain of key interest to low and middle-income voters.
Also, it is interesting to note that Bidden has major contributers from credit card companies, his state has an active business in supporting credit card companies, and his son is also a lobbiest for credit card companies (though none of them lobby his father.) Credit card companies were a major push behind this bill.
I agree that political discourse should be allowed on the site--not only because of health issues, but because politics affects everyone--there are so many issues today that people care about, and we should be allowed to discuss them--as long as we are respectful.
<b>Scottius</b><i>--"And if I go bankrupt due to medical bills and ridiculously high premiums due to my "pre-existing condition," it will be all the harder for me, as the majority party at the time (who shall remain nameless but starts with an R) refused to exempt medical bankruptcy from their tough new Consumer Bankrupcy Law. Without public discourse on forums such as these, it makes it all the easier for the powers-that-be to hide their actions." </i>
I don't know where you got your information, but I went through pages and pages of sites about the 2005 law, and nowhere did I find that medical bills were exempt.
>Myth 1: <u>Under the New Bankruptcy Law, There's No More Bankruptcy </u>
We've heard a lot of misinformation about this. Some of the worst falsehoods are
<You cannot discharge medical bills under the new Bankruptcy laws
<a target=_blank class=ftalternatingbarlinklarge href="http://www.bankruptcy-info.com/myths.php
">http://www.bankruptcy-info.com/myths.php
</a>
-----------------------------------------------------------
>Since its passage, much mis- and disinformation has circulated about
BAPCPA's effects, with clients indicating that the primary sources are collection agents anxious to prevent consumers from filing for bankruptcy relief. Among the falsehoods clients report being told are:
. Bankruptcy laws have been repealed;
. Only corporations can file for bankruptcy;
. Credit card bills cannot be discharged;
.<u> Medical bills cannot be discharged</u>;
. Taxes cannot be discharged;
. Foreclosures cannot be stopped by bankruptcy; and
. A written test must be passed before bankruptcy can be filed.
All of these statements are false.
PDF] "NOT DEAD YET:" BANKRUPTCY AFTER BAPCPA Brett Weiss File Format: PDF/Adobe Acrobat - View as HTML
bankruptcy law. He may be reached at lawyer@brettweiss.com. .... people file for bankruptcy relief under the Bankruptcy Code." ...
www.nacba.org/s/30_140662bd68076ef/files/B%20Weiss%20-%20Not%20Dead%20Yet-Bankruptcy%20After%20BAPCPA.pdf
-----------------------------------------------------------
>After Chapter 7 bankruptcy, you will not longer owe money on:
Credit cards;
Retail charge cards, such as department stores;
Unsecured loans from banks, credit unions, finance companies, friends, or relatives (an unsecured loan is one in which no item was pledged as collateral);
Unpaid hospital and medical bills;
Unpaid utility bills; and
Unpaid rent (but you must move).
<a target=_blank class=ftalternatingbarlinklarge href="http://www.ext.vt.edu/pubs/family/354-045/354-045.html#L3
">http://www.ext.vt.edu/pubs/fam...354-045.html#L3
</a>
-----------------------------------------------------------
>Under the new bankruptcy law Congress included an amendment that allows ongoing and future medical expenses for an individual or a family member to be excluded from the means test. The effect is that people who need treatment and are out of money should still be able to file for Chapter 7 protection
https://www.onlinebankruptcyschool.com/mod/resource/view.php?id=32
----------------------------------------------------------->85% of filers will still be able to file chap 7. Most unsecured debt is erased in a bankruptcy except for:
Child support and alimony;
Debts for personal injury or death caused by your
drunk driving;
Student Loans.
Income tax debt
<a target=_blank class=ftalternatingbarlinklarge href="http://www.bankruptcyaction.com/Chapter7NewLaw.htm#meanstest
">http://www.bankruptcyaction.co...w.htm#meanstest
</a>
-----------------------------------------------------------
Bidden and McCain both voted for passage of the new law, Clinton didn't vote, Obama voted nay...18 Democrats voted for the bill--2 Democrats didn't vote (which basically is a "yay" vote...) So 20 out of the 55 votes were Democrats.
<a target=_blank class=ftalternatingbarlinklarge href="http://www.senate.gov/legislative/LIS/roll_call_lists/roll_call_vote_cfm.cfm?congress=109&session=1&vote=00044#positio
">http://www.senate.gov/legislat...e=00044#positio
</a>
The significant Democratic support for this bill may well make it more difficult for the party to distinguish itself clearly in the future from Republicans on economic issues that remain of key interest to low and middle-income voters.
Also, it is interesting to note that Bidden has major contributers from credit card companies, his state has an active business in supporting credit card companies, and his son is also a lobbiest for credit card companies (though none of them lobby his father.) Credit card companies were a major push behind this bill.
I agree that political discourse should be allowed on the site--not only because of health issues, but because politics affects everyone--there are so many issues today that people care about, and we should be allowed to discuss them--as long as we are respectful.
kayleesgrandma
New member
<b>Pam</b>, I don't understand what you mean about our "light-hearted" site. This seems to echo past criticisms that some here at the site couldn't handle the harsher realities of cf--though we have yet to find <u>anyone</u> who feels that way. I don't think you should tivialize the concerns that people have been expressing in the threads and in their blogs--they certainly haven't appeared to be "light-hearted" to me. What relevant subjects do you think aren't being discussed? Did you post one that I missed? If you haven't, then please do so, and I'm sure you will discover that there are plenty of people here who would love a good, intelligent discussion.
<br />
<br /><b>Scottius</b><i>--"And if I go bankrupt due to medical bills and ridiculously high premiums due to my "pre-existing condition," it will be all the harder for me, as the majority party at the time (who shall remain nameless but starts with an R) refused to exempt medical bankruptcy from their tough new Consumer Bankrupcy Law. Without public discourse on forums such as these, it makes it all the easier for the powers-that-be to hide their actions." </i>
<br />
<br />I don't know where you got your information, but I went through pages and pages of sites about the 2005 law, and nowhere did I find that medical bills were exempt.
<br />
<br />>Myth 1: <u>Under the New Bankruptcy Law, There's No More Bankruptcy </u>
<br />We've heard a lot of misinformation about this. Some of the worst falsehoods are
<br /><You cannot discharge medical bills under the new Bankruptcy laws
<br /><a target=_blank class=ftalternatingbarlinklarge href="http://www.bankruptcy-info.com/myths.php
<br />">http://www.bankruptcy-info.com/myths.php
<br /></a>
<br />-----------------------------------------------------------
<br />>Since its passage, much mis- and disinformation has circulated about
<br />BAPCPA's effects, with clients indicating that the primary sources are collection agents anxious to prevent consumers from filing for bankruptcy relief. Among the falsehoods clients report being told are:
<br />. Bankruptcy laws have been repealed;
<br />. Only corporations can file for bankruptcy;
<br />. Credit card bills cannot be discharged;
<br />.<u> Medical bills cannot be discharged</u>;
<br />. Taxes cannot be discharged;
<br />. Foreclosures cannot be stopped by bankruptcy; and
<br />. A written test must be passed before bankruptcy can be filed.
<br />All of these statements are false.
<br />
<br />PDF] "NOT DEAD YET:" BANKRUPTCY AFTER BAPCPA Brett Weiss File Format: PDF/Adobe Acrobat - View as HTML
<br />bankruptcy law. He may be reached at lawyer@brettweiss.com. .... people file for bankruptcy relief under the Bankruptcy Code." ...
<br />www.nacba.org/s/30_140662bd68076ef/files/B%20Weiss%20-%20Not%20Dead%20Yet-Bankruptcy%20After%20BAPCPA.pdf
<br />-----------------------------------------------------------
<br />>After Chapter 7 bankruptcy, you will not longer owe money on:
<br />Credit cards;
<br />Retail charge cards, such as department stores;
<br />Unsecured loans from banks, credit unions, finance companies, friends, or relatives (an unsecured loan is one in which no item was pledged as collateral);
<br />Unpaid hospital and medical bills;
<br />Unpaid utility bills; and
<br />Unpaid rent (but you must move).
<br /><a target=_blank class=ftalternatingbarlinklarge href="http://www.ext.vt.edu/pubs/family/354-045/354-045.html#L3
<br />">http://www.ext.vt.edu/pubs/fam...354-045.html#L3
<br /></a>
<br />-----------------------------------------------------------
<br />>Under the new bankruptcy law Congress included an amendment that allows ongoing and future medical expenses for an individual or a family member to be excluded from the means test. The effect is that people who need treatment and are out of money should still be able to file for Chapter 7 protection
<br />https://www.onlinebankruptcyschool.com/mod/resource/view.php?id=32
<br />----------------------------------------------------------->85% of filers will still be able to file chap 7. Most unsecured debt is erased in a bankruptcy except for:
<br />Child support and alimony;
<br />Debts for personal injury or death caused by your
<br />drunk driving;
<br />Student Loans.
<br />Income tax debt
<br /><a target=_blank class=ftalternatingbarlinklarge href="http://www.bankruptcyaction.com/Chapter7NewLaw.htm#meanstest
<br />">http://www.bankruptcyaction.co...w.htm#meanstest
<br /></a>
<br />-----------------------------------------------------------
<br />Bidden and McCain both voted for passage of the new law, Clinton didn't vote, Obama voted nay...18 Democrats voted for the bill--2 Democrats didn't vote (which basically is a "yay" vote...) So 20 out of the 55 votes were Democrats.
<br /><a target=_blank class=ftalternatingbarlinklarge href="http://www.senate.gov/legislative/LIS/roll_call_lists/roll_call_vote_cfm.cfm?congress=109&session=1&vote=00044#positio
<br />">http://www.senate.gov/legislat...e=00044#positio
<br /></a>
<br />
<br />The significant Democratic support for this bill may well make it more difficult for the party to distinguish itself clearly in the future from Republicans on economic issues that remain of key interest to low and middle-income voters.
<br />
<br />Also, it is interesting to note that Bidden has major contributers from credit card companies, his state has an active business in supporting credit card companies, and his son is also a lobbiest for credit card companies (though none of them lobby his father.) Credit card companies were a major push behind this bill.
<br />
<br />I agree that political discourse should be allowed on the site--not only because of health issues, but because politics affects everyone--there are so many issues today that people care about, and we should be allowed to discuss them--as long as we are respectful.
<br />
<br />
<br /><b>Scottius</b><i>--"And if I go bankrupt due to medical bills and ridiculously high premiums due to my "pre-existing condition," it will be all the harder for me, as the majority party at the time (who shall remain nameless but starts with an R) refused to exempt medical bankruptcy from their tough new Consumer Bankrupcy Law. Without public discourse on forums such as these, it makes it all the easier for the powers-that-be to hide their actions." </i>
<br />
<br />I don't know where you got your information, but I went through pages and pages of sites about the 2005 law, and nowhere did I find that medical bills were exempt.
<br />
<br />>Myth 1: <u>Under the New Bankruptcy Law, There's No More Bankruptcy </u>
<br />We've heard a lot of misinformation about this. Some of the worst falsehoods are
<br /><You cannot discharge medical bills under the new Bankruptcy laws
<br /><a target=_blank class=ftalternatingbarlinklarge href="http://www.bankruptcy-info.com/myths.php
<br />">http://www.bankruptcy-info.com/myths.php
<br /></a>
<br />-----------------------------------------------------------
<br />>Since its passage, much mis- and disinformation has circulated about
<br />BAPCPA's effects, with clients indicating that the primary sources are collection agents anxious to prevent consumers from filing for bankruptcy relief. Among the falsehoods clients report being told are:
<br />. Bankruptcy laws have been repealed;
<br />. Only corporations can file for bankruptcy;
<br />. Credit card bills cannot be discharged;
<br />.<u> Medical bills cannot be discharged</u>;
<br />. Taxes cannot be discharged;
<br />. Foreclosures cannot be stopped by bankruptcy; and
<br />. A written test must be passed before bankruptcy can be filed.
<br />All of these statements are false.
<br />
<br />PDF] "NOT DEAD YET:" BANKRUPTCY AFTER BAPCPA Brett Weiss File Format: PDF/Adobe Acrobat - View as HTML
<br />bankruptcy law. He may be reached at lawyer@brettweiss.com. .... people file for bankruptcy relief under the Bankruptcy Code." ...
<br />www.nacba.org/s/30_140662bd68076ef/files/B%20Weiss%20-%20Not%20Dead%20Yet-Bankruptcy%20After%20BAPCPA.pdf
<br />-----------------------------------------------------------
<br />>After Chapter 7 bankruptcy, you will not longer owe money on:
<br />Credit cards;
<br />Retail charge cards, such as department stores;
<br />Unsecured loans from banks, credit unions, finance companies, friends, or relatives (an unsecured loan is one in which no item was pledged as collateral);
<br />Unpaid hospital and medical bills;
<br />Unpaid utility bills; and
<br />Unpaid rent (but you must move).
<br /><a target=_blank class=ftalternatingbarlinklarge href="http://www.ext.vt.edu/pubs/family/354-045/354-045.html#L3
<br />">http://www.ext.vt.edu/pubs/fam...354-045.html#L3
<br /></a>
<br />-----------------------------------------------------------
<br />>Under the new bankruptcy law Congress included an amendment that allows ongoing and future medical expenses for an individual or a family member to be excluded from the means test. The effect is that people who need treatment and are out of money should still be able to file for Chapter 7 protection
<br />https://www.onlinebankruptcyschool.com/mod/resource/view.php?id=32
<br />----------------------------------------------------------->85% of filers will still be able to file chap 7. Most unsecured debt is erased in a bankruptcy except for:
<br />Child support and alimony;
<br />Debts for personal injury or death caused by your
<br />drunk driving;
<br />Student Loans.
<br />Income tax debt
<br /><a target=_blank class=ftalternatingbarlinklarge href="http://www.bankruptcyaction.com/Chapter7NewLaw.htm#meanstest
<br />">http://www.bankruptcyaction.co...w.htm#meanstest
<br /></a>
<br />-----------------------------------------------------------
<br />Bidden and McCain both voted for passage of the new law, Clinton didn't vote, Obama voted nay...18 Democrats voted for the bill--2 Democrats didn't vote (which basically is a "yay" vote...) So 20 out of the 55 votes were Democrats.
<br /><a target=_blank class=ftalternatingbarlinklarge href="http://www.senate.gov/legislative/LIS/roll_call_lists/roll_call_vote_cfm.cfm?congress=109&session=1&vote=00044#positio
<br />">http://www.senate.gov/legislat...e=00044#positio
<br /></a>
<br />
<br />The significant Democratic support for this bill may well make it more difficult for the party to distinguish itself clearly in the future from Republicans on economic issues that remain of key interest to low and middle-income voters.
<br />
<br />Also, it is interesting to note that Bidden has major contributers from credit card companies, his state has an active business in supporting credit card companies, and his son is also a lobbiest for credit card companies (though none of them lobby his father.) Credit card companies were a major push behind this bill.
<br />
<br />I agree that political discourse should be allowed on the site--not only because of health issues, but because politics affects everyone--there are so many issues today that people care about, and we should be allowed to discuss them--as long as we are respectful.
<br />