Bill, S. 1982 VET HEALTH

Interesting, did you know there was a bill presented to the senate this last February. February 2014. This bill would have built 27 new veteran hospitals. It would have purchased much-needed new equipment and replaced equipment to antiquated to handle patient needs. It would have created educational programs for doctors and nurses to better equip them to handle changing patient needs resulting from daring to survive the USLESS IRAQ and the Afghan wars.

It would also allow Veteran Hospitals to accept and treat Vets with medical conditions resulting from the Iraq and Afghanistan Wars not yet listed as service connected disabilities. These medical problems would be treated but the Vet would not get disability pay. At least not until the disability is approved by the VA system. This Bill would have allowed Vets get the specialized care needed without going millions of dollars into debt.

But with the current bureaucracy unless a tank roles over your leg and at least 8 people are standing there and taking pictures. It can take anywhere up to 6 years to get a service connected classification for your medical problem. Just ask Vietnam vets how long it took them to get the VA Systems to recognize the very long list of medical problems created by Agent Orange.

But Of course cost conscious Senators like Marco Rubio Jeff Sessions and a number of other republicans have decided that this would cost just too much. So they saw fit to filibustered The Bill until it was dead.

This after forcing our military to keep open, and to train and staff 3 installations. Plus update the same Installations. Installations our military has decided serve no valuable or needed function in protecting this country and wanted to close them. Then there was an officer pay raise. Our military decided a 1% would be more than enough, but our wonderful congress decided that Officers needed a 2% cost of living raise. The same ones who decided a pay raise for us vets would cost too much.

Now let’s get into how The VA medical system operates. It works a lot like medical insurance. Although instead being based on your income the VA system is based on your medical conditions. For example, if you enter the VA Medical System without a service connected medical need you will have a $15 co-pay to see your primary care doctor. $65 if you need to see a specialist and $8 for whatever medication you might need.

Wow, ghee that is a whole money isn’t?

Now let’s say you enter VA system with a 10% service connected disability for a gunshot wound. Now let’s say 10 months after you get your 10% rating, your primary care doctor discovers a bone infection were you got shot and the infection is spreading. Because of your 10% rating, all and I do mean all treatments, tests, medications and or hospitalization your doctor’s order are covered at no charge. No treatment or medication prescribed by a doctor can be denied. Unless a board of doctors disagree with the prescribing Doctor. That’s doctors not accountants. If you get a 50% disability rating you medical bills disappear.

So you see the higher your disability rating smaller your medical bill. The February Vet bill would have allowed freshly discharged vets with little or no income seek care without going into debt.

Bankruptcy Chapter 7

Once again, I am a paralegal not a lawyer. So my articles are in no way to be considered legal advice they are legal information only. Let us not forget when a lawyer or a paralegal becomes involved your problem becomes an ISSUE.

To repeat myself, bankruptcy isn’t as bad as republicans and corporations want you to think, Just because you have a bankruptcy Discharge your life nor your financial life are not going to end, Honest. All you are doing is telling the people you owe

I ain’t got it and I can’t get it! So back off and leave me alone!”

You see the goal of all bankruptcies is Discharge. A Chapter 7 Discharge is when the Bankruptcy Trustee (Judge) says you no longer owe the money and or debts listed in your bankruptcy.

SIDENOTE: After Discharge you will have to be careful. You see There is a catch 22. You see according to Federal Law once you get your Discharge debt collectors are no longer allowed to come after you but there are bad debt collectors who will still come after you and if they can get you to pay so much as $1 it become legal to go after you again. I will get into how deal with these greedy idiots in later articles.

So getting back to after Discharge. Within 30days of getting your Discharge you will be able to get a credit cards. There will be Secured and unsecured credit cards offers. Secured credit cards require that you deposit money into a savings account. The amount you deposit in that credit card company’s savings account will be your credit limit. Six months after Discharge you will be able to buy a new car. If you want to buy a new house and use FHA loan, bummers that means you will have to wait a whole 4 years to get your new house.

SIDE-NOTE: This isn’t legal advice, just my personal opinion. After you get your discharge get a secured card that reports to the credit bureau. It will take some looking but they are out there. Warning, most secured credit cards companies report to nobody.

Now, no employer federal or private can fire you for filing for bankruptcy. You can get fired for other reasons but not for bankruptcy.

Chapter 7 bankruptcy Discharge does not mean you cannot file for unemployment benefits or that your payments are going to stop. This also includes social security or any other benefits you might be entitled to. At least not right now with the crazy republicans in power that will change.

The Discharge itself will only stay visible in your records for only 7 years.

If you are worried about the corporations and people listed in your bankruptcy they will get to deduct what you owe them from their taxes. The only thing they will lose is the interest they get to charge you while you struggle to pay off the debt.

So isn’t bankruptcy just going to destroy your life, like crazy republicans want you to think, or is it a chance to start the game over like it was always meant to be. You decide not the crazy republicans.

Next week I’ll talk about a few bad things concerning bankruptcy and the mechanics of how it works.

Debtors Prison An American Carol

All right, five months ago it is Christmas time. As usual, there was a Christmas Carol movie is playing on a number of different cable stations. I think my three favorite are Bill Murray’s Scrooge, Vanessa Williams’ a Diva’s Christmas Carol and Patrick Steward`s, A Christmas Carol. I think Mr. Steward’s came closest to what Charles Dickens wanted to say. In each movie the main plot was pretty much the same, old greedy Ebenezer Scrooge or a Scrooge type character who refuses to part with a single coin and was out to squeeze every last possible coin from poor souls no matter how or why they got into debt. It did not matter what damage or suffering his greed caused. All that mattered was putting that shiny coin into his pocket.
With that in mind, one of his favorite things to do in getting that coin, in the book, was to buy the debt of others have the unfortunate debtor arrested and jailed as a debt dodge. It didn’t matter if they were employed trying to pay or not. Debt was an actual crime in the 18th and 19th centuries. With his victim in jail, in jail without a trail or due process, Ebenezer would seize and sell their homes, furniture anything with the remotest monetary value, turning the debtors ill parents, wives and children out to suffer in the streets. You know in the real world of the 19th century single and or widowed women with children just as often wound up in debtor’s prison as men did. Debtor’s children and wives were often sent to workhouses and orphanages. Places that were too often a half a step from hell. That is if they weren’t just dumped on the streets after their house was seized.
That would be a scary world to live in wouldn’t it. Thank the Lord we don’t live in such times, right? After all it only happens in fiction and history books, right? I mean such a thing could happen not in today’s America, right?
Wrong Virginia! It is very real! And it could very well happen to you!
Just ask the Minnesota woman, who went to jail over a $250 owed for a credit card she didn’t know she had. Or The Illinois breast cancer survivor who was jailed over a $280 medical bill the hospital told her she didn’t owe. There was a woman sent to jail over a $60 phone bill owed by her husband dead 10 years. Let’s not forget the Kansas City guy who went to jail for $1000 he owed a furniture store after making payment arrangements. This last January a judge sentenced a man in Kenny Illinois to an ‘indefinite jail term’ over $300 he owed a lumber yard.
This doesn’t include to poor souls sent to jail because they didn’t have the money or a job to pay a fine. Only to discover that their $60 fine after 90 days spent in jail is now $6000. After all someone has to pay for the prison, prison guards’, food and uniforms.
After all didn’t one bund ant say “If you were a good person and a favorite of God you would have been born rich?”

Serf-Dom What is it?

Explanations-Legal

Let me start with the fact that there are two types of republicans. There are Republican’s who are defiantly old school republican. President Lincoln old school. They believe what you get in life depends on how much work and effort you put into achieving it.
Then there are crazy republicans, who seem to believe ‘if you were a good person would have been born rich. So if you are poor than you must be bad, and if you are bad it is God’s will you that you must be punished. Who am I to go against the will of God?’
So with the crazy republican war on people stupid enough to be born poor, I have got to wonder if slavery and serfdom are far away. After all in the incredibly poor countries it is quite common for parents to sell their children into sex slavery. Telling themselves it is…

View original post 395 more words

Obama goes to War.

I apologies about being gone for so long but problems do happen. So please Excuse me as I go political this week. It is so cool writing for a blog that lets me go off on these tangents every now and then.
So as Ed, from the Ed Show say ‘Let’s get to work.’ This last Thursday President Obama declared war. He attacked Putin right in the wallet. SMP Bank of Russia/ St. Petersburg-based Bank Rossiyahas has been isolated. His sanctions blocks the bank from doing business with any bank or financial institution that is American owned or operated.
President Obama also blocked a lot of Putin’s rich friends from accessing their assets held in the United States.
You see President Obama went radical. Much to the displeasure of the crazy republican. Instead of risking expendable assets, living soldiers, Obama has placed assets much too valuable at risk. MONEY.
President Obama’s actions has greatly displeased crazy republicans So much so they are now allowing MasterCard and Visa to resume doing business with the SMP Bank.
They are even blocking further sanctions. Trying to make Obama look weak and useless. You know with some of the history, I have learned lately. Like The real reasons for the Iraq war reasons, Regan torpedoes Carter’s efforts to free the hostages then buying their freedom with arms after being elected, Nixon blocking LBJ’s ending of the Vietnam War so he can get elected,
I have got to wonder if there isn’t somebody egging him on trying to create yet another war. You know Uncle Sam buys multi-billions of dollars of weapons during a war that are never used. After all those weapons are much more valuable than living soldiers.
With the treatment our soldiers receive when they get home, and waiting years for their promised benefits. That is if they are not denied because some paper pusher decides one of their forms wasn’t filled out exactly right. If that happens than the poor veteran has to refill out the paperwork and wait an outer four years. Just to let you know there have been bills put forth by Obama and the democrats to speed up the process but once again crazy republicans have blocked those bills. Then comes Food stamps being cut so veterans can’t feed themselves or their children while waiting for their promised benefits. And after 10 to 15 years of being shot at, and or blown up or veteran’s when after discharged are booted out the door and told go be normal. Are told, if you have a problem dealing with the world after 10 years of terror, or your body is so severely damaged you can’t find or maintain a job. Well sorry about that but if you complain you are just useless and weak so don’t bother us with your problems. Oh yeah, that unemployment insurance you’re supposes to get after your discharge, oh well sorry about that.
Making it very clear, at least to me that crazy republican’s believe soldier are the least valuable and most expendable assets.
Is it any wonder 22 or more veterans are taking their own lives every single day?
Next week I will be posting on what Serf-Dom really is. After all that seems to be were the crazy republican’s seem to be bringing back. Then I will be picking up with the S.C.R.A. I will be going deeper into detail.

SCRA or Service members’ Civil Relief Act II

Okay once again, I am not a lawyer I am a paralegal. So this is not legal advice this is legal information only. Also when you talk to a lawyer or a paralegal your problem becomes an ISSUE.
The SRCA not only protects active duty members of the army, air force navy and marines but also reservist, members of the national guard, the air national guard and commissioned officers of public health service, and or national oceanic and atmospheric service.
Here are some of the benefits you’re loved on and or family can get when they talk to a military base legal service and or independent lawyer with military experience about filing a SRCA bankruptcy.
There have been some recent changes SCRA or the Service member’s Civil Relief Act. Such as, if you are renting a house or an apartment and paying $3,139 or less a month the landlord must get a court order before they can evict your wife or husband while you are on active duty. Even if you signed the lease before joining an armed service. This also includes mortgage payments. The only condition is that the soldier or sailor must have actually lived there and still lists it as his/her home address.
While a SCRA is being processed it also can limit interest rates to 6%. On such things as credit cards, mortgages payments or any other loan you have. Even loans you entered into before going on active duty falls under SCRA protection. Also because of the interest rate restriction an SCRA can reduce the monthly payments on these accounts. Including your car payments.
While the SCRA is in effect lenders cannot cancel or change their rules on your loans or credit cards. After a SCRA has been completed lenders cannot use the fact you have used the SRCA as a reason to deny you a credit card or a loan.
Now let’s say someone files a civil suit against you. For example your spouse files for divorce, or your spouse gets bullied into foreclosure proceedings, or a standard bankruptcy. You can still get SCRA protection
Side-Note: Secretary of Defense Panetta in a memo dated February 11, 2013, confirmed that the SCRA protection also extends to and includes same-sex couples as well as traditional couples
Side-Note: On February 2, 2013 President Obama signed a law increasing the SCRA foreclosure protection from 90 days after military discharge to 9 months. Unfortunately this extension ends midnight January 1 2015.
However, part of the law says that before the extension ends President Obama wants to know how many people have used this extension.
Next week, more on the SCRA or the Service members Relief Act.
Most importantly how to get the damn thing started.