HELP I need advice!!!!!!!!

I suggest you should explain your situation to the bank. Tell them that you have already sent letters for refund to the loan companies after having your account marked PIF. This means that you owe nothing to them. The bank will try to revert the charges in your savings account.

Mannictay -

I'm sorry to hear of your situation. I know medical bills are hard to face, but trust me, they will usually be the easiest creditors to work with, as long as they don't go to collections.

However, if it appears that bankruptcy is your only way out, here are a few things you should be aware of:

-the new bankruptcy laws do not give you a choice on which chapter you can file - you will have to undergo a "means test" which your attorney can do for you. This test will determine, according to the law, if you have enough "disposable income" to pay at least some of your debts back to the creditors. If so, you will need to file a Chapter 13, which is a repayment plan.

-if you do not have enough income to repay your debts, you will file a Chapter 7, which is a liquidation of your debts - however, be prepared for the attorney to ask about the value of your home, how many cars you own, etc. All assets must be considered in the filing of bankruptcy - especially a Chapter 7.

-think long and hard before filing bankruptcy - is there another way out? Can you seek some credit counseling or debt consolidation/settlement? Bankruptcy is a major decision, and it affects your credit for a number of years afterwards. However, I do understand that sometimes it's the only option. Many of us on this site have been forced to file bankruptcy due to overwhelming medical bills, job loss, etc. - you're not alone.

Please keep us posted on your situation, and feel free to ask any questions you may have - we're here to help!

Sorry to hear about your situation.In the case of the medical bills being so high, was it because of having no insurance? If so, you might qualify for programs administered through your county. Would you qualify for Medic-Aid/Cal?? I would call your county's Dept of Health to find out if you did at the time of your hospitalization and possibly this could eliminate part of that debt.
You might want to also check with the hospital to see if they have any programs for low-income patients/uninsured. Some of the non-profits do, and it's definately worth checking out. Call the hospital's business office. Good luck and keep us posted!

I have check with both. We had insurance but they had to do surgery on me on a Saturday and go back in on a Sunday. So they were considered emergency. They are saying the second one is unnessary. How did you guys finally get out of your payday loans? How long did it take?

So the insurance company is saying that the second surgery was unnecessary and isn't authorizing payment for it? Ask about the appeals process and file an immediate appeal! You will need OR reports from your surgeon and other doctors' reports which I'm sure the hospital has already faxed to them. If not, I am sure they will be happy to do it again.
This is a game that many HMO's play to try and avoid payment and the hospital I am sure is used to it. You can also tell them that if the second surgery wasn't needed, there is no way the doctor would have wasted his or her time going in again.
If your appeal is denied, you have the right to go to the State Dept of Health to complain. If you are in California, all HMO's are under the State Dept of Corporations, so find out which agency regulates HMO's in your state before you do this. Good luck and let us know what happens.

Definately talk to the hospital and the docs who did the surgury. With the high cost of malpractice insurance the medical profession does not do surgury for sh@#z and giggles. They take it very seriously. Some HMO's think that if they deny a claim people will not challenge it and that they will just pay on their own, but I would get the hospital to hlep you fight this. Like Ks said this happens all the time the hospitals want to get paid so they will do anything to help you get their money.