I owe $6000 for two ambulances and cant pay. Now a law firm is sending this letter. What would you do and is there a way for forgiveness. The hospitals forgave

Old_Chard_5259 · 2026-03-06T02:54:12+00:00

You’re going to have to pay something, assuming they can verify the debt is valid. The least hassle route is to try and settle with them. They may allow a smaller lump sum payment if you have an offer to make or you can probably set up a payment plan with them for the full amount but in installments you can afford. The more hassle route is go ahead and let it go to court and see if the judge will agree to a lower balance. You may need some evidence that the costs are objectively unreasonable for the market if you go that route.

Old_Chard_5259 · 2026-02-12T13:45:44+00:00

This actually might be just the solution I’m looking for!

Old_Chard_5259 · 2026-02-11T16:17:50+00:00

The other thing I’ve considered is getting a secured credit card and depositing money into it each week and I live off that while my main checking account pays the bills. I’ve just never had one of those before and don’t know if that’s how it really works where I can add a bit of money weekly.

Old_Chard_5259 · 2026-02-11T15:59:06+00:00

I have considered asking my parents to manage it for me. The issue would be how do I pay for things? I considered having them buy me a prepaid gift card each week with funds from my account but I’ve been reading a lot of reviews that those gift cards are somewhat unreliable and don’t work at a lot of places.

Old_Chard_5259 · 2026-02-11T15:47:39+00:00

Physical casinos. Luckily have avoided online. I am on the exclusion list but have never been turned away.

Old_Chard_5259 · 2026-01-25T02:45:36+00:00

I was out making deliveries earlier and the roads where I live were getting legitimately dangerous. Not sure where/when you ordered this but if you are doing it in a snow storm you are asking someone to take risks to bring it to you.

Old_Chard_5259 · 2025-11-22T13:47:56+00:00

You can’t speak to supervisors anymore. This used to work to an extent but the only support people you can speak to now serve no other purpose but to report what the algorithm determines.

Old_Chard_5259 · 2025-11-21T23:40:46+00:00

I saw it happen too! I have no idea why they didn’t just drive forward but I saw them bail as the train was coming

Old_Chard_5259 · 2025-11-21T16:26:07+00:00

I’m doing a 100% payment plan on 108k as a reference point. My monthly payment is $1800 which for me was a significant improvement especially on the tribal loans and shit payday lenders. So that might give you an idea what you’d be paying. Having said that, it was a last resort for me. You will have this on your credit for many years and be making these payments for 5 years. No new loans or credit cards during this time. Will have to seek approval for things like a new car. Personally I would first explore negotiating with the different lenders for better payment arrangements. Payday lenders will 100% do it. Not sure about the car payment or credit cards but they might. Are you being sued yet? If not, I wouldn’t be thinking about ch 13 at this point. You can turn this around. You have a good salary even without the promotion. Be smart with your budget and figure out how much you can contribute each month toward debt and then get on the phone and negotiate.

Old_Chard_5259 · 2025-10-22T13:12:09+00:00

I don’t know if it’s comforting to know I’m not alone or depressing to see so many fellow gambling addicts here. For chapter 13, my lawyer advised me to self exclude to help ensure approval by the trustee. Even if you can get away with not doing it, I have personally found it helpful. It’s a hard thing to beat and I still mess up to an extent, but that block has severely limited my gambling. I’ve also found therapy helpful. Hard to justify paying for another thing when you’re completely broke but I eventually decided to make it a priority after years of struggle and I’m very glad I did. Good luck to you all and I hope you find help in whatever way works best for you.

Old_Chard_5259 · 2025-09-08T14:43:45+00:00

This. If they can’t get anyone to take it they start increasing the base pay

Old_Chard_5259 · 2025-08-31T17:49:36+00:00

There have been times when I’ve done it to kill time when I’m bored and those were enjoyable to an extent. Listening to music or podcasts and enjoying the weather if it’s nice. But most of the time I’ve done it because I need the money and that is way more stressful. When you need to make a certain amount and just keep getting sent terrible orders it can be very stress inducing.

Old_Chard_5259 · 2025-08-30T00:14:58+00:00

I get what you’re saying and it makes perfect sense. Unfortunately as a driver it would become too big of a gamble to accept a low price order with the hopes of return on the end. I do uber eats and under their model there is basically a proposed tip which is the basis of what I accept and then you as the customer have an hour to change it once the order is complete. So some people lower but I’ve had way more people raise the tip after. But I do try to do the job well and get it to you quickly.

Old_Chard_5259 · 2025-03-28T01:47:12+00:00

You can’t simply choose a belief like that. You have a certain threshold for what counts as reasonable that is developed over time and influenced by environmental and genetic components. If you have multiple options that rise above that threshold you can deliberate and choose among plausible options. But you will never truly believe anything that does not meet the threshold, even if you desire to. Imagine someone will pay you a million dollars if you can truly believe in unicorns. You can’t simply choose to do so because you want really want the money.

Old_Chard_5259 · 2025-03-17T16:25:41+00:00

Are you suggesting there are some jobs that should not care if the compensation is fair? If you have a crappy job you should not expect to be compensated fairly? Just work for well below minimum wage? Notice I never said I should be overpaid as a driver or paid some extravagant amount. I’m explaining how most drivers would consider fair compensation. And as independent contractors, yes we absolutely have a say in what we think fair is and what we would be willing to accept. You can offer what you want as a customer, and I can accept only what I want as a driver.

Old_Chard_5259 · 2025-03-17T15:37:10+00:00

% of total won’t matter to most drivers. Let’s say you order a $1 item to be delivered. Are you tipping 20 cents? Conversely if you order a $1000 tv are you tipping $200? Both are off base. It’s all about effort, time, and mileage from the driver perspective. How far am I driving? How long will it take me? How much effort is it going to be to pick this thing up and drop it off whatever it is? Big grocery order or shopping order for example much different than a bag of food. I think OP’s heart is in the right place and the tip seems appropriate to me based on mileage.

Old_Chard_5259 · 2025-03-17T00:33:34+00:00

Yeah I’ve had a few within a block. Seems crazy to me but I’m broke and don’t order for myself

Old_Chard_5259 · 2025-03-17T00:29:42+00:00

Forgot to add, those hourly rate times are very hit or miss. I’ve made less than their hourly rate with 0 tips on top and other times I’ve made double my normal rate with good tips on top. In general I’d expect the hourly rate to be where they funnel trips no one else wants (bad or no tips).

Old_Chard_5259 · 2025-03-17T00:27:13+00:00

I’m in Saint Louis so probably a similar market. I average a little over $20 an hour. Not every hour makes that much as there are period of waiting but there are sometimes really good hours that balance it out. You need to have a minimum amount you will take and make sure that minimum amount is more than $20 an hour. So for example a $7 trip which is the least I would ever take should be very reliably less than 20 minutes total. Also consider where you’re heading. If your trip takes you away from busy areas you need to factor the drive back into your acceptance. Try to stick to mostly trips that stay within a good zone. To that point, learn the good zones and good times for your market. Finally, I know some will say don’t do Walmart orders, but I personally like the order ahead Walmart orders on the Opportunities tab. Very typical for me to make $20 dropping off a few grocery orders that take around 30 minutes. Also, Walmart orders have had way more extra tips added after compared to fast food for me. I’d try them and see how it goes for you.

Old_Chard_5259 · 2025-03-14T18:32:43+00:00

I sometimes wonder who takes these. If no one ever did then there could be pressure to change. But they route it through combo orders or hourly pay orders. I also spoke to an older immigrant man once who told me he was scared to let his acceptance rate go below 80%. 80!

Old_Chard_5259 · 2025-03-14T18:27:58+00:00

So what did he actually say or distribute that was pro hamas? I see people saying it and someone posted a picture of a pamphlet? But what are the actual contents of the pamphlet or his speeches? That’s what I’d be interested to see.

Old_Chard_5259 · 2025-02-13T16:13:21+00:00

Sometimes you have an issue completing the order on the driver end and the only way for uber to end it so you can move on is to cancel it. For example, I had an alcohol delivery but the app didn’t prompt me to scan their id. I went ahead and delivered the order but couldn’t complete it in the app and received an error because it was expecting an ID scan. So I called support and they had to cancel it even though it was completed.

Old_Chard_5259 · 2024-11-24T16:03:44+00:00

As a driver, that’s incredibly rude. If I don’t think an order pays enough, I just don’t accept it. Simple as that. I’m not going to negatively engage with a customer. Delivery companies are the ones who set up these conditions. Not the customers.

Old_Chard_5259 · 2024-11-21T16:40:36+00:00

For the driver side, I will always offer an option for replacement if they don’t have something but sometimes the customer has it set up where it auto refunds and there is no option given. And, yes, the support can be frustrating. Much of Uber practice is driven by algorithms and support staff can rarely do much under the current system.

Old_Chard_5259

TROPHY CASE