$800,000 In Medical Debt; Should I File Bankruptcy?
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- Опубліковано 12 січ 2025
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That's a horrible way to treat a veteran!
Deandre Martin or anyone.
Deandre Martin that’s what they deserve for killing and destroying countries
@@josephstalin2138 sounds like you know nothing about it. Your ignorance shows well.
All veterans should be guaranteed free healthcare and affordable housing. I think everyone should be but they should be first in line.
messed up.. why didnt his VA cover this? poor man.. hes been homeles cause of this.. this country doesnt care about our veterans
I like the way Mr.Ramsey listened to this guy's entire story before commenting!
Something he typically never does...
He usually cuts off the women not the men
but its a human thing to listen to the full story?
@@ThePecanTan
.
Right?
file for bankruptcy immediately. like right now... good luck
I work in healthcare admin and while this is certainly an extreme case in terms of the amount, this is not surprising at all. Medicare and the VA are both horribly run garbage dumps of incompetency. And the saddest part is that this is a horrible way to treat veterans who give so much for this country.
My heart breaks for people like this......
A perfect example of why we shouldn't be so quick to judge the homeless. You don't know who they are or what led them to that situation
Apparently a lot of children are going homeless, too. It can start young. This is just unacceptable.
Yep completely agree. We need to be more compassionate for our fellow brothers and sisters
The debt isn’t the issue. This man has emotional issue that are harming him. I feel bad for him but many people have medical debt forever and rent. This guy is homeless with nothing he should have claimed bankruptcy a while ago. Most people are homeless for emotional issue not financial. You can always rent a room at least and jobs are everywhere.
When politicians say corporations are people, name me one type of corporate debt that is "unbankruptable", there are plenty of personal debts (ie student, alimony, etc) that are unbankruptable. So no, corporations are not people.
@@joesmith3590As a working homeless woman, I can honestly say that what you said is inaccurate. Please educate yourself.
This is shameful! How can we treat our vets like this?! The medical billing system is so shady.
Its not just vets, its literally everyone.
They knew the deal. Fight for israel and get free college. We owe the ones it doesn't work out for nothing if anything they owe us....
the American health system is so messed up... smh.
Actually it's the best healthcare system in the world. America is, by far, the most prolific medical sector innovator.
+Philip Mclaughlin The WHO libtards who came up with that flawed ranking were predictably biased towards socialist healthcare systems. The US contributes more medical R&D than any other country in the world by a wide margin.
Mr. White At a substantial monetary cost to patients of course. Take the for profit greed out of US healthcare and there healthcare would be very good.
+Philip Mclaughlin Not those who invest wisely in health insurance. The cost of living is substantially higher in socialist europe thanks to the outrageous taxes to fund the flawed system. Hard working taxpayers are footing the bill for lazy deadbeats like you.
Mr. White
Maybe if you weren't so busy finding insults to call people who disagree with your ideology you'd do some research into socialized healthcare and you'd stop being scared of it because of the word "socialism". Look outside of your bubble and see what the world has to offer, America is supposed to be a land of progress, but because of people like you were falling behind instead of joining the rest of the developed world. Somehow anything that disagrees with you has a "libtard bias", which to me seems to indicate that you care more about your ideology than honestly searching for the truth behind issues because you can easily dismiss contradictory information on your horrible logic.
For the sake of our country, I hope you change your priorities.
Since I am in healthcare, first of all, he should have reached out to the Revenue Integrity Dept of the Hospital to help him figure out who should be paying his bill Medicare vs. Tricare, secondly, you can always negotiate down your bill and lastly, most hospitals have funds dedicated to charity care and apply the balance towards that.
File bankruptcy for someone else’s mistake? Have your life turned upside down? Homeless?? This is a travesty. I want to help someone like this. How do I help?
Vote Bernie.
@@Kesiif Medicare and the VA screwing up is what did this to him. That the government bro.
Your comment shows your lack of understanding bernies campaign.
We the people paid for him to be up there, not some billionaire. He is for the people. He's the one everyday guy who got in to take it down from the inside. But ya you woulda been down for segregation. Bernie fought against it.
@@Kesiif Bernie is bought and paid for too. Just a lot less (paid off with a third house on a lake, not billions like most). Communism/socialism is not the fix to problems in govt.
Its the government thats why I never enlisted in the military !
This destroyed my heart...
Are you well?You haven't posted in a while...
Gheorghiță Al Sunculiței hey! I’m well, thanks for asking! Just been taking some time off to reevaluate. The channel took up a decent amount of time out of my day. 😄
My heart ripped in half.
I don't understand... he was a veteran but they took him off VA benefits?
Something doesn't add up. Not saying it isn't true, I think there is more to the story.
youtubeaccount
No, a medical professional called and reported him as being someone else. They took him off by default and reversed their decisions for the previous four years. Probably during the investigative process. His data was promptly placed in the black hole of the internet because no one wants to do their job if it means admitting a mistake on their part. He just needs to provide them with the proper legal incentive to follow through with the investigatation and then rule on the claims. They absolutely CAN reverse this. The question is have they beat down and broken this guy enough for him to just quietly go away, or does he still have some of that warrior spirit left in him? Go make it right soldier. You got this.
How do we know he really isn't someone else and he is in fact actually frauding the system?
Chris Boulas Because if he is, then putting up a good fight will do nothing. And I'm not going to withhold vital information in how to deal with a situation at face value (
That's the same VA system that decided my father was dead about 30 years ago. It took years to straighten out, meanwhile, my family lost our home because they stopped his retirement check (9 kids in my family), needless to say, we needed that money. Lord only knows how this situation happened but the VA is not one that fixes mistakes easily. My dad is still alive right now btw. :-)
A lot of the people who call Dave were stupid with money-this is an exception, I feel for the guy. Medical debt is the scariest because even if you are amazing with money and good at taking care of yourself, it's the one that could hit you out of nowhere-even with a good health insurance and sizeable savings.
So sad, Poor man! its people like him who I feel bad for but those who are in debt because of fancy cars, luxurious houses, & credit cards, etc... are the ones that should feel ashamed. To a certain extent I understand credit card debt but when you dig yourself too deep in the hole... it will be more than a struggle to get out.
I hope this man finds a good lawyer and gets all this overturned!
This is huge problem here in USA ,the medical situation ,the health insurance ,the medicine .....oh boy is incredible here :(
really? im from South Africa, it can't be worse than your education problem.
@@jessevernonwheeler887yes they both suffer
Don't even need to watch the video. YES. I would file. You have $800K in medical debt, that is one of the only scenarios where I would see bankruptcy as an option.
Jeffrey he will be paying that forever.
I would if I were in his shoes.
Unless he can find a lawyer to take his case on contingency and try to fight the VA, otherwise yes, bankruptcy. Start over brother.
@Marky D Yes, of course. You file chapter 7 and the debt is gone after 6 months and you can start anew
God Bless this gentleman... this kind of crazy thing goes on all the time and people are beaten down by it, too afraid to face off with insurers OR the medical collection agencies. Sir, I hope you have found the help you needed through a local agency or case manager. I know this was a while ago.... but I am still praying for you.
if this man is homeless and only has $1,300 a month he should apply for medicaid and have that along with medicare. He should have the claim re-submitted to medicare, this man should try contacting medicare again to see if his insurance is set up correctly cause 800,000 is allot of debt.
Its to bad we have so many socialist government programs that prevent this guy from disappearing with dignity in our natural selection of a market place, as there is no room for non-able bodied adults to be accepted in our boot strap society....................................... Even if they are "disabled" vets (he made his choice to fight in a war and depend on government programs such as the VA). REMEMBER THAT TAXATION IS THEFT, and any money stolen from me or you by big government to pay for socialist programs SHOULD be unacceptable for us to tolerate. Amen
@@garrikcook5940 not sure you understand what real socialism is. Has nothing to do with healthcare.
Garrik Cook I’ve literally never ever read anything more ignorant in my life. You just earned the stupidest person in this planet award with that comment.
Yes. File Bankruptcy. Yes, File Bankruptcy. Yes, File Bankruptcy. File Today.
Yesterday! Why wait?
Ummm this doesn't sound . . A nurse doesn't do insurance review ans he can have two insurances one is primary the other is secondary . I think he need a friend to go with him.
Hospitals are the worst. They vastly overcharge for everything because of insurance companies and then those without insurance are stuck paying false, overcharged prices.
Actually its Medicare that drastically increases coat as it is basically a blank check from the government, we see the same in student loans
I feel for this guy. There should be no scenario in which a person should owe $800k in medical debt...especially a veteran of the armed forces. That’s ridiculous. Medical care in the US is such a racket. In my opinion it’s the #1 thing that needs to be fixed before anything else.
It's a racket. Nailed it. Number one thing to fix. I bet so many other problems would either decrease or be eliminated if this was addressed first.
What a terrible story. God bless this man, what a horrible way to treat a vet. We pray for you and thank you for your service
praying for him 💕
Muchlove788 I know right
And i'm sacrificing a goat to put on an altar for him. I'm waiting for people to thumbs up my comment, as praying is equally worthless as sacrifices because they both historically accomplish nothing.
Garrik Cook she's entitled to her beliefs. So why must you feel the need to dump on something that's not directed towards you?
Dave should've helped more. I feel for this guy. It's a really tough situation. God bless you bruh.
Dominica L I think he should have dug in his own pocket to buy him a modest home and pay his debt.
This poor guy is delusional...He doesnt have a firm grasp on reality if he thinks he can pay this off...
As a Canadian it is sad to hear of such devastating debt from medical bills and student loans.
As a Brit I feel the same. Our national health service is the one thing most UK citizens agree upon! As for US student debt levels, words fail me
@@advocate1563 I guess the rich want to pay a premium to separate themselves from the have nots. Also, we won’t stop with the toxic food. It’s a business. Feed them garbage, watch them get sick and pay💰
I would file for bankrupcy in a heartbeat. In 7 years I would be good again.
Dear lord sorry to hear this man.
THIS IS BEYOND HEARTBREAKING! WHEN PEOPLE END UP HOMELESS I JUST DON'T UNDERSTAND! no friends or family?
No family is common, and friends cant always spare a room when they have wife and kids...
You have friends and family? Lucky you....
How distressing it must be for a person to be convalescing after a medical procedure but racked with worry about the impending medical bill or whether their insurance will cover he cost.... that will help their recovery....not!
Exactly. This greed and insanity is destroying people's long-term health. I bet if you dealt with this issue, all the frequent complaints about other inequalities would dramatically decrease.
The only thing I can think of. If he was admitted in the hospital, he gave his name as someone else and used their insurance card. When they checked the social security numbers, they figured out he was a fraud. I've seen someone give the wrong social security number at a hospital and a wrong name.
cutehumor yea, I'm in the military and I had some medical bills show up on my credit report in the pass. I reported it and got it removed but they may have tracked down the source at some point and billed them accordingly for all I know.
I was denied car insurance due to a DUI I have never received! The idiot on the phone transposed 2 numbers of my social causing me a lot of trouble. It may not be his fault, there are stupid people who actually attain important jobs unfortunately.
Hopefully he can find legal aid or someone to help. Poor people just get in situations like this because they don't have resources or completely understand what's going on. You cant live well but you can get by on that kind of money in a low cost area, usually in the south,
There’s a lot of important details missing here.
Declaring Bankruptcy is a legitimate part of most health insurance plans.
I was surprised that Dave didn't chew him out for paying on these debts when he's homeless. A lot of states have caps on garnishments (mine is around 15%). If he can go back to work and get that part of his life back together (food and shelter), making much more than disability, then he would have a quality of life that is reflective of where it should be in his situation. No amount of debt should make you have to live on the street. That is giving the collectors way too much priority in your life.
Wow YES file bankruptcy. This situation is so sad.
Call your Congress critter’s office to lean on Medicare to fix this mess
That breaks my heart :( yes he needs to file for bankruptcy right away
I'm an American / Irish dual citizen & I've lived in the UK & I think socialized healthcare is great & the norm every developed country in the world........ except America. In England I can get refills for free & eye exams for free unlike in the US . Healthcare is a right not a privalage in short the American healthcare system sucks ! !
The problem is the for profit Healthcare industry, as well as the Democratic and Republican party who the healthcare industry and health insurance industry bought politicians on both sides to brainwash the masses in America that Universal Healthcare is a bad socialist program. You dont see the same people making arguments about there socialistic Police, Fire, Schools.that there taxes pay for. Could you imagine if your house was robbed you call the police they find the culprit arrest him and then 2 weeks later the police department sends you a bill for $5,000 for there services
I hope you’re in a better place Sir ❤️
So glad I don't live in the US. I would never be able to afford medical bills if I ever got injured
leadnsteel me too its insane youre living with huge weight on your shoulders...
I really hope he finds peace of mind soon. The health care systems needs to do better especially for veterans that risked their life for this country.
READ MY LIPS: THEY DON'T CARE.
They risked their life for free college lol. We owe them nothing.
If you are living on disability--bills cannot be collected.
It's too bad Dave didn't have someone in his Legal Dept help this guy navigate Legal Aid in the caller's local area. The boneheads at Medicare should do a more comprehensive check before retroactively taking back payments.
So true.
The unqualified, untrained, unsupervised, unaccountable, call - center crash test dummies at Medicare? Are you SERIOUS?
I'm wondering, does Dave mute the callers at the end of the show when he pushes that button on his desk?
What did Dave say when he hit the mute button?
He’s so smart and sensitive.
If he's as old as he sounds on the phone, I'd suggest doing more research on living happier on $1300/mo instead of finding ways to pay off his debt. He should file for bankruptcy but while he waits for all that stuff to clear which can take years, he should move overseas to countries that have lower living expenses. You can live pretty well in South East Asia on that disability income.
He doesn't sound old, just distressed, imo.
I have an $800 allowance from my parents for college here in South East Asia, and I live like a king. Luxury apartment rent $250 per month, cook my own food + eating out every week $200 per month, $30 electricity and water bill, internet (50 mb/s download), $15 a month. For $1300 a month I'd be able to eat out every single day.
That's great, you're living on less than $500 a month and comfortably too. I'll probably retire there and I'm hoping before I hit 40 years old. I don't want to work until I'm 70 in the US.
Actually, the point of living in Asia is to make more money than you live on. English jobs in Asia can pay $2k+ a month while living there only cost $200-$500/mo. Which means you can save much more than the worker in US who makes $35k-40k but got tons of bills to pay and pick up bad spending habits.
+Viet PopLove hmmm....weird...isn't it
Dave Ramsey - “I don’t know the situation..” and “I don’t have that resource..”
Someone should find out who called and told and let that person live like him for a year and see how it feels.
He's confused. A nurse didn't do such a thing. It was a clerk of some sort. Nurses are far too busy taking care of patients - no time to meddle in the insurance business. Just sayin'.
Kimbopolo patients see healthcare workers as doctors and nurses
Kimbopolo Even if it's true and it wasn't a nurse what does it matter. That isn't the point of this at all. Either way someone said something which is ruining this mans life. This man who served his country and risked his life to protect others. No veteran should be treated like this.
don't defend nurses.
Kimbopolo theres bad nurses too but insurance is usually taken care of by a clerk
Medicare for all needs to be passed. There’s no reason it can’t or shouldn’t be.
At this point, there's no sane argument against it. The country is in trillions of debt right now, and this current 'healthcare' system is a huge reason why.
poor guy...this is heartbreaking
People commenting here, bashing US heath care. Trust me, it's not exactly rosy in the EU. Yes, it's free....but. You have to wait MONTHS, if it's not a life threatening operation, and not everything is covered. Like you get a teeth extraction, but that's it. Anything else for teeth, you have to pay.
The only upside is, if you happen to be in an accident, there is no way you are going to pay a single penny in any situation. I get horrified when I head you guys have to pay for the ambulance, for the room, and on inflated prices. In the EU, that is free.
In some countries how ever, you "tip" the doctor. Like when you have a baby, you "should" give 1000-2000$ in an envelope to make sure they take care during birth. I know it sounds weird, but it's just a tradition I suppose and who is going to risk it.
But it comes with a price, you are paying anywhere from 17-30% from your paycheck for all this, and it's mandatory, they just take it before you receive your paycheck. I haven't been sick in my life, so I 'wasted' God know how many, maybe 20-30.000$ only on this and I never used it.
Yes, these are similar criticisms that I have of our own system. But America's is an outright racket.
Discusting; this man fought for this country so the politicians never had to. Now this poor man has terrifying bills. These politicians need to hang their heads in shame.
Agreed, it's disgusting.
Something not making sense abt his story
This is what Bankruptcy is designed for. He needs to go talk to an Attorney. If his income is low enough he might get a free attorney. I filled for Bankruptcy and there is a system setup in my state for people that need to file for bankruptcy in which the state will pay a reduced rate to the attorney.
My parents filed for bankruptcy and it was a disaster for them because now they are back in debt and tried to get my husband and I to file for bankruptcy. Thank God we did not, even though we are homeless, in medical debt, etc. We found out that there are alternatives.
This makes me so sad. I hope this guy gets the help he needs.
A fair number of commentators are buying this guy's story hook, line, and sinker. This is load of bunk. Not sure to what degree, but this guy isn't the completely innocent victim of circumstance he is trying to portray.
Most calls are scripted.
The healthcare situation in the US is crazy... $800k hoooly
USA loves their vets. However when I demobilized after three years at Logan Airport Boston. in Sept 68 ..I can tell you...NO ONE WAS THANKING ME FOR MY SERVICE!... I go to the US rarely (I am Canadian) and it makes me want to puke in my shoes when the Cheneys and Trumps .."Thank me for my service!"
@Martin Ramos I was US Army!
Thank God I'm Canadian.
Unfortunately, this is an all too common story. In the US, the #1 cause of bankruptcy is medical debt.
+Nick Joslin well you folks south of the border don't see universal health care as a human right...in Canada, we do...
Melinda Anne I've heard the quality and availability of Canadian healthcare sucks. I guess that's what happens when you let the government run things.
Look at the population in America vs Canada. Government healthcare is stupid
Sha Ron Viewing entitlements as rights is a common side effect of socialism. Creates a culture of consumers rather than producers. Afterall, why work for something if it's your "right" to have it?
Claiming healthcare to be a right doesn't make it free. Someone has to pay for it. Who's "right" is it to pay for it so you don't have to? The taxpayers? (IE everyone else)
Socialism is fueled selfishness and creates selfishness.
Unless you're of course talking about the big Canadian money trees that exist up there as well as your cars with square wheels...
poor guy... wish him the best
The VA has a program called HUD VASH. They help veterans find housing.
Poor guy sad sad story, he hurt I can tell.I would get myself a Van and become a Nomad. They can collect when I'm dead.
I would suggest calling legal aide in his city. Most cities have a legal aide society for people that meet the poverty level
Last I heard, welfare dept. can refer you to a free program to help you do a bankruptsy - can't hurt to try. You would probably be eligible because you're on disability
You know it's bad when Dave says file bankruptcy...but no real options beside getting it cleared up.
I like your show, what a sad situation
My heart hurts so bad for Andrew. I wish there were something we could do for him.
how is this even possible???? how can someone else turn his life upside down like this?
What an absolute mess, best of luck to you sir.
Poor man, prayers for him.
This one utterly broke my heart 😞
They should put the guys email up and he could set up a just giving account. I am sure lots of people would contribute to help this guy out.
60% of bankruptcies are related to medical bills.
If so (do you have a source?), this is unsurprising. How anyone can live under such an ineffective, extortionate, bureaucratic mess is beyond me.
What this country does to Vets is insane!
Hello Dave 😀
in his situation why should he try fighting it again what bad things would happen if he just filed for bankrupsty
The healthcare system is so busted in the US
$1300.00 per month over 4 years is $62,400. So,He said he paid off over $200,000 in 2 years. What did I miss?
Daniel Kennedy fr I’m as confused as you
He might have sold everything he could, including a house...
Hmmmm. Sumtingwong about dat.
......"Doin pretty good", $800,000 in debt lol.
The fact that we don’t have a universal healthcare system is asinine.
Well, I have some criticisms of our NHS in the UK, which has become bloated. But statistics have shown that of several healthcare systems in the advanced world, America's is one of, if not the most, bloated and inefficient.
Something isnt right here, there is more to the story
If he is going to try and fight the government, he needs to contacted his congressperson.
Wow this was the toughest story I've heard on this show
I couldn't hear what this man said at the beginning. How did he end up with $800K in medical debt?
By living in America only place it can happen 😂 that was his first mistake
This is the American way, a situation created by "personal responsibility" culture
Nah, personal responsibility is crucial to life. There's no personal responsibility in the bloated, extortionate 'healthcare system' that rips people off.
Andrew I feel you 600K, 1100 / month is the maximum income for Medicaid if it was not for my mom & sister I would be homeles also God Bless keep going to the VA. Administration they have programs to help you secure Housing with 3 months rent
GOD BLESS
Oh my... Healthcare in America is the worst!
I’ll never get why some Americans just don’t move to Canada. Degrees are so much more cheaper and jobs are almost abundant
People in the comments are absolutely terrible. He probably isn't using the right terms or referring to the right people, but thi s is entirely possible if you know anything about government run systems. Why would y'all say that a veteran is lying? Wow.
This is why this country needs socialized medicine.
It does, it’s called the VA. Their incompetence actually what caused this entire situation.
@@firstwavenegativity6379 I live in Canada and this type of story is unheard of here.
Sue the hospital. If unsuccessful or impracticable, file bankruptcy. Cheers!
Dave .. pay it off for him .. no sweat
You have to declare bankruptcy. Unless you're making at least $500,000 per year - I don't see any other options.
how do i find him?
Its situations like this is why other developed countries laugh at us.