#53003 09-09-2005 07:20 AM | Joined: Jul 2003 Posts: 235 Gold Member (200+ posts) | OP  Gold Member (200+ posts)
Joined: Jul 2003 Posts: 235 | Hi,
The pharmacy bills have eaten away at my mom's credit limit. The credit card company didn't have a problem letting her go above her limit, which I appreciate, but the monthly payments are beyond manageable. I'd rather not bankrupt her, so I'm thinking that I should call the company and try to work something out. My plan is to lay the cards on the table and explain the situation. Does anyone have any advice or see any reason that I may run into problems? Thanks.
Dave
Mom's caregvr. DDS failed to dx 01/03. Dx Stg IV SCC 05/03. Induct. chemo, IMRT, 5FU, H, Iressa, Neck disect, radiation. Dad's caregvr. Dx 01/04 Ext. Stg SCLC. Mets to liver/bone 08/04. Died 11/12/04. Mom tongue CA dx 06/13, hemiglossectomy (80% removed) 08/13. Clean margins and nodes, but PNI. 6/15/15: Tongue CA at base of remnant tongue. Declined further tx; hospice.
Died 10/13/15. What a long and difficult journey.
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#53004 09-09-2005 08:48 AM | Joined: Mar 2002 Posts: 1,140 Likes: 1 Patient Advocate (1000+ posts) | | Patient Advocate (1000+ posts)
Joined: Mar 2002 Posts: 1,140 Likes: 1 | Dave, I have not done it, but I know people who have called and just by asking had the APR lowered substantially. No harm in asking. My only contact was about an undeserved late fee of some humungous amount. Just calling got it reversed. I think those folks get away with as much as they can until someone complains. Go for it! | | |
#53005 09-09-2005 02:07 PM | Joined: Nov 2002 Posts: 3,552 Patient Advocate (old timer, 2000 posts) | | Patient Advocate (old timer, 2000 posts)
Joined: Nov 2002 Posts: 3,552 | I have a simpler solution - just stop paying them. Eventually the account will get sold to attornies that will settle for 50 cents or less on the dollar and often what the principle was before all of the late fees and interest. That's what I did - my credit was trashed anyway. Last month I bought 2 BMW's and refinanced the house. It was a better tactic than bankruptcy. You have to be careful with Visa and Mastercards tied to your bank account though - they can seize your bank account.
I was able to freeze the one credit card tied to the bank account and get a simple interest (9%).
Gary Allsebrook
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Dx 11/22/02, SCC, 6 x 3 cm Polypoid tumor, rt tonsil, Stage III/IVA, T3N0M0 G1/2
Tx 1/28/03 - 3/19/03, Cisplatin ct x2, IMRT, bilateral, with boost, x35(69.96Gy)
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"You are a mist that appears for a little while and then vanishes" (James 4:14 NIV)
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