DebtHelp101 Banner 3 DebtHelp101 Banner 1

pcip.gov badge

Free Information

How can the United States impose universal health care service such as those from Canada?

With the recent health care reform being discussed in Congress today, how can we here in the US have a health care service such as that of Canada or other countries where health care is very affordable?

What should I do after I get out of debt?

I still have some work to do, but I feel I can feel the end coming. So, Ive destroyed all the credit cards and what not, and once I get out of debt its like “crap, what now?”. So, what then? On an income of 1000 a month btw. Also, does anyone else notice how [...]

How does health insurance work in the US?

I am a non-US citizen and need this information to do a case. Specifically: 1) Is health insurance compulsory for everyone? 2) What happens if someone cannot afford it? 3) In the event that a medical procedure needs to be done, does health insurance cover all the bills? Does the patient need to pay anything [...]

Can insurance companies deny coverage for someone because they have a child with Autism?

My son has autism. I am currently employed and have insurance through my work. I am planning on moving and taking a new job but I am worried that I will not be able to get insurance for my son if I move. If anyone knows anything about this please help. Thanks, Randy S.

What does the health care bill mean for dependent children?

I just turned 23 last year and I am no longer covered under my parent’s insurance. I started paying for my own health insurance since I only work part time while attending school. I see that the new health care bill will allow dependent children to be covered under their parent’s insurance until age 26. [...]

How to get out of debt quick?

I am in debt about 25k and really need to get out or I am in fear of going bankrupt. What are my options, anyone know of a good free service to help consolidation or just advice?

What exact part of the health care bill makes sure that premiums are affordable to Americans?

Isn’t that the Obama promise of “affordable” health care? Where is the cap as a percentage of average earnings or some other measurement? He seem to have kept his promises to insurers that Americans will be forced to buy insurance from them.

middle school teacher with a masters degree–finding a job?

I am about to complete my masters in education, all I need is the final test/paper. My district is going through downsizing. I have 7 years of experience, which is usually good, but I think the number of grad credit hours I have makes me unaffordable to new districts. (I have 181 total between my [...]

What happens to single poor people under the health care bill?

Currently, single people who have no income are not eligible for Medicare. They have no health care coverage. Will this stay the same under the new health care bill. I believe the answer is yes, but not sure.

How do I get out of a contract for deed? or get a loan w/a high debt to income ratio and low credit score?

My husband deserted me and my daughter and his name is still on the contract. He gives me no $$ support. I gross only $2300/mo. A mortgage broker told me my debt to income ratio is too high to get a loan and that my credit score, 545 is too low. They want $180/k for [...]

Will an insurance company insure our home if there is a unpermitted cottage?

Question by Happy: Will an insurance company insure our home if there is a unpermitted cottage? I’m in the process of buying a foreclosure home (Saratoga,CA, can’t transfer the insurance since it has already lapsed) that has a detached unpermitted cottage (2 bedrooms, kitchen, bathroom and living room total of 900 sq ft), the main [...]

What health care jobs are in high demand in the state of california?

I would like to go back to school and get another certificate in health care. I currently have my nurses assistant certificate but I want to do something that pays more and is less gross. I was thinking about medical assistant or phlebotomy but I don’t know if its in demand in ca I want [...]

Liberals. How does it make sense to Borrow massive amounts of money to bring the US out of debt?

That by logic does not make sense. Do you keep borrowing money till you get out of debt? i doubt it because it just worsens your debt amount until you are unable to pay anything. Samething with Obama and the democrats massive borrowing which isnt going to do anything except bankrupt us as a nation.

How do I have better luck finding a new job?

I’ve been unhappy at my current job. I’m a medical assistant who was unfortunately terminated in 09 and I didn’t find anything til later that year which is my current CLOTHING STORE job. I’m already loooking to change my career to veterinary technology and I am definitely not getting the respect or money I deserve [...]

Did insurance companies just start denying claims of sick people?

If not why didn’t the great House or Senate members address this before now. Sick people don’t need to be burdened with extra problems. Even paying sick people. Wonder if it’s as long as the insurance companies been selling life and auto insurance across state lines.

Why are you opposed to univeral health care?

Many people exclaim “Socialist!” or think the government wil be run the health care system, but this is entirely untrue. The universal health care method Obama proposes is far more conservative than Europe’s and Canada’s. He just wants everyone to have health insurance which seems fine to me. He’s not proposing a low-quality national health [...]

who is monitoring the health care provider if the health care reform is passed?

What is going to prevent the health care providers (doctors/ insurance) from raising there prices if the bill is passed? What is preventing the rich from becoming richer?

How much is the Health care reform going to cost and where are they planning to get the money?

How much is the Health care reform going to cost and where are they planning to get the money in order to fund this reform? and what can you forecast about this reform…do you think this reform actually going to help many people?

car semi-auto transmission and gas mileage?

Question by Shaun: car semi-auto transmission and gas mileage? I’m in the market for a car. i had to sell my mazda3 2 years ago to get myself out of debt. my question is … the mazda had an auto tranny with a “manual” shifting feature. I tried it a couple of times but as [...]

How long can you wait to notify a insurance company about a potential claim?

How long can you wait to notify a insurance company about a potential claim? You know how an insurance tell there clients that they have to report a claim(personal injury/premise liablity) or something. Most insurance policies have a requirement that your notify the insurance company of any potential claim within a very short period of [...]