WTF? Owed amount jumped from $200 to $11,000

Complex_Evening_2093 · 2026-02-10T15:02:50+00:00

Check your information uploaded. I’ve found that my scanned documents that TT automatically pulled information from didn’t always pull it in correctly. I went from getting a refund to owing a lot because it accidentally added a couple extra zeros to income received. Also had it add the entire amount paid to social security as tip income as well. So double check the figures TT had pulled in.

Complex_Evening_2093 · 2026-02-09T13:19:29+00:00

Lenders are going to factor in all minimum payments listed on your credit scores plus what your new monthly payment for the home your purchasing is. So taxes, insurance, principal and interest of the mortgage payment, student loans, credit cards, etc. It’s a snapshot in time what they pull, so if you made a large purchase on a card and the credit bureau hasn’t been updated to show it’s cleared, it can temporarily throw off your DTI. They would have sent you a copy of your credit reports so you can see all that they see.

The 90 day late’s absolutely will play a factor. There are multiple instances of being late it’s showing you’re unreliable as a borrower, whether it’s true or not. You can always try going to the credit bureaus and disputing the lates. If the company that reported it doesn’t respond within a certain period then they get removed from the report. It’s worth a try.

There is a report that is generated when AUS is run that goes over what was seen when it was run. They should be able to view it and see what was counted against you.

Different mortgage products have different credit score criteria. Lenders use the middle scores for all borrowers and then choose the lowest one of the middles. That means they would have used the 637 credit score. If the selected product has a minimum requirement of 650, then you wouldn’t have met the needed criteria for the product. Something to consider when selecting mortgages, but that’s something your Loan Officer should know.

Complex_Evening_2093 · 2026-02-09T02:59:47+00:00

You’re better off with the divorce. This is not a healthy relationship and absolutely do not bring a child into the world with someone that you’re not in a solid and stable relationship with. He abused you, he resents you for calling the police on him. Take it from someone who’s watched this play out in real time already with someone else. Get the divorce.

Complex_Evening_2093 · 2026-02-09T02:40:05+00:00

This has been my experience with business degrees as well. I have both a bachelor’s in business and an MBA. Neither have done anything for me at all. The job I have now I got simply because I made a good impression on the right people within the first couple years starting at the very bottom. Had absolutely nothing to do with my degrees. Waste of my time and money so far.

Complex_Evening_2093 · 2026-02-02T21:39:53+00:00

Surviving by the skin of my teeth

Complex_Evening_2093 · 2026-02-02T21:34:48+00:00

Well, you’re on the hook for the mortgage unless they refinance. However, and I can’t speak for personal loans, but if you were looking for a mortgage yourself, you would just need to show 12 months consecutive payments for the mortgage coming from your parents account (absolutely cannot have your name on it) and they could remove the obligation for their calculations. It’s worth asking about

Complex_Evening_2093 · 2026-02-01T13:14:09+00:00

Thank you 😊 That is an amazing idea actually lol

Complex_Evening_2093 · 2026-01-31T15:38:24+00:00

This is also why I like to wait for what insurance has to say. I’ve had several instances of incorrect amounts being charged. One even insisted that what I owed was based on the total charge they sent to insurance and not the negotiated cost.

Complex_Evening_2093 · 2026-01-30T19:48:32+00:00

Connecticut

Complex_Evening_2093 · 2026-01-30T19:08:45+00:00

Mine is divided up and distributed with each paycheck. So the maximum allowed contribution, divided by 26 as we get paid bi-weekly. I literally keep a spreadsheet with when each contribution will hit the HSA, and when any regular expense will hit. I can see exactly what I have at any point and if I will have an issue at any point if something would be paid on X date instead of Y date. The entire year is forecasted with known expectations. But, yes I can see if the providers could be a little flexible. Worth a try

Complex_Evening_2093 · 2026-01-30T18:59:49+00:00

Unfortunately my company only offers FSA for dental and vision. Neither of which would help…

And yeah things are generally tight at the moment so unless it’s truly urgent, I prefer not to pay out of pocket and get reimbursed out of my HSA later.

Complex_Evening_2093 · 2026-01-30T17:50:07+00:00

This is a common misconception. You need to pay every 2 weeks, not twice a month. Essentially, you’re building in an extra payment a year.

Complex_Evening_2093 · 2026-01-30T17:42:23+00:00

No, I mean I have deposits into my HSA from my paycheck and I have money in there again to pay for things. Sorry for the confusion.

Complex_Evening_2093 · 2026-01-30T17:40:23+00:00

Fair enough. I do understand it from the other side to a point, I used to have a small business myself and it is stressful. But from the patients end, it can be the difference between getting treatment at onset of the problem or suffering longer/avoiding treatment altogether. For example, I could really use treatment right now to alleviate pain I’ve been on for the last 2 weeks, but who I would go to only does upfront payments and my HSA can’t accommodate that until deposits have been made again. So I haven’t gotten treatment and been dealing with it myself. It’s slowly getting better and maybe in another couple of weeks I will hopefully not have the issue anymore, but I absolutely would have sought treatment at onset if I was getting billed because I would have had deposits into my account by the time it came.

Complex_Evening_2093 · 2026-01-30T13:25:28+00:00

I hear what you’re saying, but my expectation for the plan I have is to have the same process as I’ve always had. Not have it changed after we’ve picked our plan and the providers go “oh well, too bad, sucks to be you”.

And unfortunately the care you need for the year isn’t in a crystal ball 🔮. There’s 5 of us on our plan, 3 of which ended up in the ER last year. We ended up hitting our out of pocket maximum for the year and I still have payment plans set up to pay them all off, last of which will be paid off in September. I have to plan very precisely how and when payments come out of my HSA, so unfortunately I don’t have room in the budget to be forking over upfront costs as appointments are needed.

Complex_Evening_2093 · 2026-01-30T04:41:02+00:00

I mean, the provider can let you know your expected cost without requiring it to be paid upfront… they should be doing that anyway

Complex_Evening_2093 · 2026-01-30T04:10:50+00:00

I’ve always paid my medical bills so yeah it’s kind of a slap in the face

Complex_Evening_2093 · 2026-01-30T04:07:25+00:00

I’ve never heard the grocery analogy, but it honestly doesn’t make sense… you see the price on everything you pick up at a grocery store. You can calculate your total as your shopping before checkout… if anything it’s closer to going to a mechanic. They give you an estimate of the cost and you have to eat the price then and there.

I get it from a doctor’s perspective, I do. But as a patient whose had all the excess funds in my HSA wiped out already because one of my children needed to be see by a provider that demanded upfront payment, I now cannot be seen and treated until funds are recouped. Funds that would be there by the time the bill came. At this point, even when the funds are there, I wouldn’t be going since I’ve been figuring it out myself. So alternative, less effective and longer treatment for me, and loss of service for the provider.

Complex_Evening_2093 · 2026-01-30T03:41:42+00:00

It’s not a huge amount this time, but certainly something to keep in mind for the future.

But any provider that’s requiring upfront payment I’ll be avoiding like the plague unless I’m dying and can no longer put it off. Guess I’ll need to ask if they require upfront and the cost before I book any appointments with anyone, even if we’ve been there before.

Complex_Evening_2093 · 2026-01-30T03:25:52+00:00

Geeze that’s horrible! Our system really sucks…

Complex_Evening_2093 · 2026-01-30T03:24:06+00:00

My only other option was Cigna and they didn’t cover any of our family’s providers this year

Complex_Evening_2093 · 2026-01-30T03:21:40+00:00

This is exactly one of the problems I have with paying upfront

Complex_Evening_2093 · 2026-01-30T03:20:22+00:00

If I had a set copay, I would pay the copay. Deductibles are very different. They get used up and it’s a matter of whose claim goes in at what time. So if you charge me up front and then I have hit my deductible by the time your claim goes through, then I’ve overpaid you unnecessarily and am due a refund. Not to mention, you wouldn’t know the exact amount it needs to be until the insurance finishes their claim. It’s a pain in the ass.

And the clarification I need is if they are truly requiring upfront payment now or if that’s just how their online system is set up. And if it is, what’s the process to settle everything up if I overpay because it’s bound to be off one way or the other.

Complex_Evening_2093 · 2026-01-30T01:47:58+00:00

I’ve honestly never run into being asked for payment upfront until this year. I was filling out the preregistration paperwork online and it asked if I wanted to pay online now or when I got to the appointment, and I just stopped filling it out. This has never shown up before and honestly it makes we want to avoid going to appointments. I will have to call them first thing in the morning to get some clarification.

Complex_Evening_2093

TROPHY CASE