View Full Version : James and Florida was stressing over a "medical debt?"


TVFactFan
08-29-2012, 07:46 PM
In the ep Florida's Rich Cousin James revealed that J.J's dental bill was $325 and that they still owed on the bill from Florida's operation

Why did they need to borrow money to pay that?-lol Everything comes before a damm medical bill

Food
Rent
Utility Bills
Clothes


Did I miss anything?:lol:

*ROGER*
08-29-2012, 08:29 PM
What also pissed me off about James in that episode was that he made poor JJ feel guilty for having to go to the dentist.

TVFactFan
08-29-2012, 08:40 PM
What also pissed me off about James in that episode was that he made poor JJ feel guilty for having to go to the dentist.


Well he did 25 cavaties:lol: But he did make Florida feel bad about the gallstones:lol:

*ROGER*
08-29-2012, 09:00 PM
Well he did 25 cavaties:lol: But he did make Florida feel bad about the gallstones:lol:
Do you have any idea how much that dental bill would be nowadays? In the THOUSANDS! James would have had a stroke! :lol: I thought it was funny when Wilona asked JJ ..."What have you been brushing your teeth with? ....Hot fudge sundaes? :lol:

TVFactFan
08-29-2012, 09:03 PM
Do you have any idea how much that dental bill would be nowadays? In the THOUSANDS! James would have had a stroke! :lol: I thought it was funny when Wilona asked JJ ..."What have you been brushing your teeth with? ....Hot fudge sundaes? :lol:


LOL, I know, but he was too damm old to have all those cavities:lol:


I had a medical debt back in 2004 that I never paid and it just faded away

I wasn't paying that sh?T

*ROGER*
08-29-2012, 10:24 PM
LOL, I know, but he was too damm old to have all those cavities:lol:


I had a medical debt back in 2004 that I never paid and it just faded away

I wasn't paying that sh?T
Back in 1996, I had to pay a little over $5,000 to the dentist. I had to pay him up front before he started the procedure. And that was only for four teeth!

Brieannas21
08-30-2012, 01:39 PM
Medical and Bank debt are worst when it comes to credit. Not everyone has the mentality of NOT paying their bills. There are people out there who don't want that on their credit, also when you're an adult you pay your debt, it goes along with being an adult.

I broke my wrist when I was 21 and it took me forever to pay that off, Well my husband end up paying it off :lol:

TVFactFan
08-30-2012, 01:47 PM
Medical and Bank debt are worst when it comes to credit. Not everyone has the mentality of NOT paying their bills. There are people out there who don't want that on their credit, also when you're an adult you pay your debt, it goes along with being an adult.

I broke my wrist when I was 21 and it took me forever to pay that off, Well my husband end up paying it off :lol:


But since they were low income and Florida had a unexpected health situation they didn't have to concern themselves with paying off the bill because the things below were more important

Food
Rent
Utility Bills
Children Clothes

Brieannas21
08-30-2012, 02:04 PM
But since they were low income and Florida had a unexpected health situation they didn't have to concern themselves with paying off the bill because the things below were more important

Food
Rent
Utility Bills
Children Clothes

Just because you're low income doesn't mean that you don't pay your bills. They were never truly hurting for anything. Medical bill is a bill like any other bill and you pay it. If your thinking about buying a house or a car, you don't want that showing up on your credit. Even if you're low income, you never know when you'll become fortunate enough to put a down payment on a house or car. And nowadays companies are doing credit checks on people who apply for jobs, so if your unemployed you for sure don't want that on your credit.

TVFactFan
08-30-2012, 03:23 PM
Just because you're low income doesn't mean that you don't pay your bills. They were never truly hurting for anything. Medical bill is a bill like any other bill and you pay it. If your thinking about buying a house or a car, you don't want that showing up on your credit. Even if you're low income, you never know when you'll become fortunate enough to put a down payment on a house or car. And nowadays companies are doing credit checks on people who apply for jobs, so if your unemployed you for sure don't want that on your credit.

No when you are low income you pay what's IMPORTANT. And medical debt doesn't appear on your credit. i should know because I have a medical debt and just checked my credit report and it wasn't on there:lol:

Brieannas21
08-30-2012, 05:12 PM
No when you are low income you pay what's IMPORTANT. And medical debt doesn't appear on your credit. i should know because I have a medical debt and just checked my credit report and it wasn't on there:lol:

Yes it does appear on your credit because it was on mine for a few years until it was paid off. So that is a big fat lie. And what's worse is that the hospital collections will sell your debt to another collections agency just so it will stay on your credit for years, and then that collections agency will sell it to another collection agency. Go to the hospital now and don't pay the bill, lets see what happens.

TVFactFan
08-30-2012, 05:18 PM
Yes it does appear on your credit because it was on mine for a few years until it was paid off. So that is a big fat lie. And what's worse is that the hospital collections will sell your debt to another collections agency just so it will stay on your credit for years, and then that collections agency will sell it to another collection agency. Go to the hospital now and don't pay the bill, lets see what happens.


I had a hospital bill back in 2004 because I knew nothing about a $250 deductible after I had surgery. I thought the insurance covered me completely for the surgery and all of a sudden I get a bill for $250 and was like..."I ain't paying for this SH*T

It ended up going to $275 and I never paid it. And guess what? A year later I applied for a American Express Card and was approved and I still have that card 7 years later.

Are you saying medical bills is more important than FOOD??????????

Brieannas21
08-30-2012, 05:32 PM
I had a hospital bill back in 2004 because I knew nothing about a $250 deductible after I had surgery. I thought the insurance covered me completely for the surgery and all of a sudden I get a bill for $250 and was like..."I ain't paying for this SH*T

It ended up going to $275 and I never paid it. And guess what? A year later I applied for a American Express Card and was approved and I still have that card 7 years later.

Are you saying medical bills is more important than FOOD??????????

When I broke my wrist, had a bill that was $6,000 plus some change from two hospitals and it stayed on my credit until it was paid off and in turn it messed with my credit score. That meant that when I went to purchase our first home we had to make a HUGE down payment. Medical debt and bank debt are the two evils to have on your credit. I told you a few years ago anyone can get a credit card :lol: the credit that you get might not be that high but a company will give you a card especially if your a student or employed.

What I'm saying is to SOME people a bill is a bill and it has to be paid. Especially dental because you never know when you will need to take your children to the dentist. Don't get me started talking about health care LOL.

TVFactFan
08-30-2012, 05:44 PM
When I broke my wrist, had a bill that was $6,000 plus some change from two hospitals and it stayed on my credit until it was paid off and in turn it messed with my credit score. That meant that when I went to purchase our first home we had to make a HUGE down payment. Medical debt and bank debt are the two evils to have on your credit. I told you a few years ago anyone can get a credit card :lol: the credit that you get might not be that high but a company will give you a card especially if your a student or employed.

What I'm saying is to SOME people a bill is a bill and it has to be paid. Especially dental because you never know when you will need to take your children to the dentist. Don't get me started talking about health care LOL.


Well I guess we will just have to agree to disagree because FOOD in my refrigerator will always be a higher priority than a medical bill that I can pay PIECE by PIECE

Brieannas21
08-30-2012, 06:24 PM
Well I guess we will just have to agree to disagree because FOOD in my refrigerator will always be a higher priority than a medical bill that I can pay PIECE by PIECE

I never said that food wasn't important. I'm pretty sure that James and Flo would buy food before paying their med bill. I'm just saying that it was still a bill and it had to be paid like the others. I would stress over a med bill too if there wasn't that much money coming into the house. James just looked at it as another bill that he had to pay.

TVFactFan
08-30-2012, 06:42 PM
I never said that food wasn't important. I'm pretty sure that James and Flo would buy food before paying their med bill. I'm just saying that it was still a bill and it had to be paid like the others. I would stress over a med bill too if there wasn't that much money coming into the house. James just looked at it as another bill that he had to pay.


That's why I didn't understand this episode, It made sense that the Evans were trying to scrap up money to avoid eviction in season 1 but to borrow money from relatives to pay some damm medical bills was just weird

GARFIELDKOOL
08-30-2012, 08:25 PM
LOL, I know, but he was too damm old to have all those cavities:lol:


I had a medical debt back in 2004 that I never paid and it just faded away

I wasn't paying that sh?T


It didn't go to collections? I had medical debt in the mid-90s and collections harrassed me. It eventually faded away, but still!

TVFactFan
08-30-2012, 08:27 PM
It didn't go to collections? I had medical debt in the mid-90s and collections harrassed me. It eventually faded away, but still!


yeah it went into collections but it was not on my credit report

GARFIELDKOOL
08-30-2012, 08:27 PM
Back in 1996, I had to pay a little over $5,000 to the dentist. I had to pay him up front before he started the procedure. And that was only for four teeth!

Cash I assume? Did you have insurance?

GARFIELDKOOL
08-30-2012, 08:34 PM
I had a filling done back in April, and I just got the bill two weeks ago. My insurance covered most of it, but all I pay is $14.00 I know that's nothing, but I will pay it. About seven years ago, I had another filling done, I got the bill a few months after, and I had to pay $111.00. I had different coverage, but I paid that off immediately.

TVFactFan
08-30-2012, 09:33 PM
I had a filling done back in April, and I just got the bill two weeks ago. My insurance covered most of it, but all I pay is $14.00 I know that's nothing, but I will pay it. About seven years ago, I had another filling done, I got the bill a few months after, and I had to pay $111.00. I had different coverage, but I paid that off immediately.


The collection debt I have now is because when I lost my job in december I was told I had insurance until Feb of 2012. So when I got a bill for a dec and jan doctor visit I was like......"WTF is this"

And never paid

*ROGER*
08-30-2012, 09:38 PM
Cash I assume? Did you have insurance?
Back then, I had no dental insurance that covered that particular dental procedure. I had to pay the $5,000+ in cash.

The collection debt I have now is because when I lost my job in december I was told I had insurance until Feb of 2012. So when I got a bill for a dec and jan doctor visit I was like......"WTF is this"

And never paid

You should have been covered for that. I don't blame you for not paying.

TVFactFan
08-30-2012, 09:54 PM
Back then, I had no dental insurance that covered that particular dental procedure. I had to pay the $5,000+ in cash.


You should have been covered for that. I don't blame you for not paying.


After they gave us the laid off letter they clearly told us on 12/9/11 that we have insurance until 1/31/12. So that's why I was pissed

visaman666
09-07-2012, 06:39 AM
But since they were low income and Florida had a unexpected health situation they didn't have to concern themselves with paying off the bill because the things below were more important

Food
Rent
Utility Bills
Children Clothes

Since they are low income, wouldn't Medicare take care of the bill? I am a Canadian.

TVFactFan
09-07-2012, 01:07 PM
Since they are low income, wouldn't Medicare take care of the bill? I am a Canadian.


Yes which is why Good Times was a UNREALISTIC portrayal of a family living in the Ghetto because when a family is that poor they are eligible for

financial assistance
medical assistance

Brieannas21
09-07-2012, 08:27 PM
Since they are low income, wouldn't Medicare take care of the bill? I am a Canadian.


No, Medicare is for the elderly.

TVFactFan
09-07-2012, 08:56 PM
No, Medicare is for the elderly.


They were eligible for welfare in real life

"a father working and making crumbs with 3 kids in the household":lol: :lol:

Brieannas21
09-07-2012, 09:48 PM
They were eligible for welfare in real life

"a father working and making crumbs with 3 kids in the household":lol: :lol:

Not everyone wanted to get on Welfare back in those days, it was more hassle then what it was worth PLUS it was looked at as a handout. Back in those days when men actually worked hard for their families, to most it was a thing of pride.

TVFactFan
09-07-2012, 10:03 PM
Not everyone wanted to get on Welfare back in those days, it was more hassle then what it was worth PLUS it was looked at as a handout. Back in those days when men actually worked hard for their families, to most it was a thing of pride.


Then Florida should have her had a$$ out there working instead of being a GHETTO JUNE CLEAVER:lol: :lol: :lol:

Brieannas21
09-07-2012, 10:10 PM
Then Florida should have her had a$$ out there working instead of being a GHETTO JUNE CLEAVER:lol: :lol: :lol:


James didn't want her to work. I think it was towards the end of the 3rd season when we find out that Florida has a job. The job Florida had in season 2 doesn't count because she didn't work there long.

TVFactFan
09-07-2012, 10:18 PM
James didn't want her to work. I think it was towards the end of the 3rd season when we find out that Florida has a job. The job Florida had in season 2 doesn't count because she didn't work there long.


That's what was always weird, how could he not want her to work and he wasn't bringing home sh*T?? LOL

Brieannas21
09-07-2012, 10:44 PM
That's what was always weird, how could he not want her to work and he wasn't bringing home sh*T?? LOL

Because he was the man of the house. And as the man of the house it was his duty to work hard and pay the bills. James did very well with what he had to work with.

Some men don't want their wives to work, goes back to the Bible.

TVFactFan
09-07-2012, 11:12 PM
Because he was the man of the house. And as the man of the house it was his duty to work hard and pay the bills. James did very well with what he had to work with.

Some men don't want their wives to work, goes back to the Bible.


Yeah men with ONE good job , not a man with 4 low paying jobs:lol: :lol:

Brieannas21
09-07-2012, 11:25 PM
Yeah men with ONE good job , not a man with 4 low paying jobs:lol: :lol:


But that's the mans job, he's suppose to work hard and that is exactly what James did :lol:

In all, he was a great role model of what a man is suppose to do for his family.

But I do agree that the writers should have had Florida work at least part time.

TVFactFan
09-07-2012, 11:50 PM
But that's the mans job, he's suppose to work hard and that is exactly what James did :lol:

In all, he was a great role model of what a man is suppose to do for his family.

But I do agree that the writers should have had Florida work at least part time.


He sure did work hard

Egg Yolk scrapper
Window Shield washer
Warehouse worker


:lol: :lol: :lol: :lol:

Brieannas21
09-08-2012, 12:16 AM
He sure did work hard

Egg Yolk scrapper
Window Shield washer
Warehouse worker


:lol: :lol: :lol: :lol:

My Grandma use to say "If a man don't work he don't eat, and it doesn't matter what kind of job you have as long as it was honest work and you try to be the best at it."

And that is what James did, he did a honest days work.

TVFactFan
09-08-2012, 12:18 AM
My Grandma use to say "If a man don't work he don't eat, and it doesn't matter what kind of job you have as long as it was honest work and you try to be the best at it."

And that is what James did, he did a honest days work.


Remember he had a chance at a better job and he decided to come back home because the bus was taking too long?:lol:

ThomasE
09-09-2012, 02:13 AM
But that's the mans job, he's suppose to work hard and that is exactly what James did :lol:

In all, he was a great role model of what a man is suppose to do for his family.

But I do agree that the writers should have had Florida work at least part time.


Well, maybe that is why Eric Monte left. He had trouble trying to keep everybody on track with writing real portrayals of black families.

TVFactFan
09-09-2012, 02:23 AM
Well, maybe that is why Eric Monte left. He had trouble trying to keep everybody on track with writing real portrayals of black families.


That Cooley High Project made him say...............GOODBYE!!!:lol:

Brieannas21
09-09-2012, 02:57 AM
Well, maybe that is why Eric Monte left. He had trouble trying to keep everybody on track with writing real portrayals of black families.


Isn't that why John was upset also?

yayaya
09-20-2012, 04:41 PM
I think James was indeed worried about having good credit which is why he was wanting to pay that crap off. He learned how his bad credit affected him when he wanted to buy JJ the art supplies. He mentioned having missed ONE payment on something and figured out that was why he was denied. If James wanted to rent a better apartment down the road, he may have been worried about those medical bills affecting his credit which can adversely affect someone renting an apartment. I know, I own property and when I check people's credit to make sure they can afford to pay the rent, I come across bad credit that includes unpaid medical bills, car repossessions, etc.

Some people are concerned about paying their bills and some don't care. I just size it up to James being one of those people who was not about to jump and run from his obligations. He wanted that monkey off his back.

TVFactFan
09-20-2012, 05:38 PM
I think James was indeed worried about having good credit which is why he was wanting to pay that crap off. He learned how his bad credit affected him when he wanted to buy JJ the art supplies. He mentioned having missed ONE payment on something and figured out that was why he was denied. If James wanted to rent a better apartment down the road, he may have been worried about those medical bills affecting his credit which can adversely affect someone renting an apartment. I know, I own property and when I check people's credit to make sure they can afford to pay the rent, I come across bad credit that includes unpaid medical bills, car repossessions, etc.

Some people are concerned about paying their bills and some don't care. I just size it up to James being one of those people who was not about to jump and run from his obligations. He wanted that monkey off his back.


My medical debt never showed on mu credit report

Brieannas21
09-20-2012, 06:48 PM
My medical debt never showed on mu credit report

I find it hard to believe that a medical debt did not go onto your credit, if that is so then you got lucky. But just because you were lucky does not mean that everyone will have that same luck. Medical debts do go onto your credit if left unpaid, and that is one debt that can mess you up for a long time.



P.S sorry for any messed spelled words, typing this while cooking dinner.

TVFactFan
09-20-2012, 07:03 PM
I find it hard to believe that a medical debt did not go onto your credit, if that is so then you got lucky. But just because you were lucky does not mean that everyone will have that same luck. Medical debts do go onto your credit if left unpaid, and that is one debt that can mess you up for a long time.



P.S sorry for any messed spelled words, typing this while cooking dinner.


When I checked my credit report last month it was a statement on the report saying that they don't list medical debt


I had a medical debt in 2004 and a small one now but It never appeared on my credit report

yayaya
09-20-2012, 07:13 PM
My medical debt never showed on mu credit report
It probably got lost somewhere. You sound like a relative of mine who constantly says, "This is what happened to me..." And whatever happened to him, it happens to everyone else. :lol:

I get that you may not have had your medical bill show up on your credit, that doesn't mean that is the norm or that it happens to everyone.

I have something that shows up on one credit report, but on two other ones it doesn't appear. I don't know what the standard is for why some things appear sooner than later, it might be due to what some companies do to recover the money. Sometimes they may not pursue something simply because they feel it is not worth it. I know someone who had a $100 debt removed from their credit report after 15 years! The collection agency felt it was not worth pursuing it legally since it would cost more than it was worth.

Brieannas21
09-20-2012, 07:16 PM
When I checked my credit report last month it was a statement on the report saying that they don't list medical debt


I had a medical debt in 2004 and a small one now but It never appeared on my credit report

I don't know who you checked your credit with but they do list medical debts on your credit, believe me I know first hand. It's not gonna say "MEDICAL" in bold lettering, but it will go on your credit. Just because you say that it did not happen to you, that does not mean that it does not happen period. If you get sick now, go to the hospital, come home and not pay your bill, trust and believe it will be on your credit.

TVFactFan
09-20-2012, 07:22 PM
It probably got lost somewhere. You sound like a relative of mine who constantly says, "This is what happened to me..." And whatever happened to him, it happens to everyone else. :lol:

I get that you may not have had your medical bill show up on your credit, that doesn't mean that is the norm or that it happens to everyone.

I have something that shows up on one credit report, but on two other ones it doesn't appear. I don't know what the standard is for why some things appear sooner than later, it might be due to what some companies do to recover the money. Sometimes they may not pursue something simply because they feel it is not worth it. I know someone who had a $100 debt removed from their credit report after 15 years! The collection agency felt it was not worth pursuing it legally since it would cost more than it was worth.



I think I remember reading that medical debt is not supposed to appear on your credit report

TVFactFan
09-20-2012, 07:23 PM
I don't know who you checked your credit with but they do list medical debts on your credit, believe me I know first hand. It's not gonna say "MEDICAL" in bold lettering, but it will go on your credit. Just because you say that it did not happen to you, that does not mean that it does not happen period. If you get sick now, go to the hospital, come home and not pay your bill, trust and believe it will be on your credit.


Oh I thought it was some kind of rule that medical debt is not to appear on your report

yayaya
09-20-2012, 07:26 PM
Oh I thought it was some kind of rule that medical debt is not to appear on your report
Whaaaat? :lol: I wish. I bet a lot of people wish that were true.

When a bill is overdue and handed over to a collection agency, the name of that credit agency appears on your credit report, not the name of the medical facility.

TVFactFan
09-20-2012, 07:29 PM
Whaaaat? :lol: I wish. I bet a lot of people wish that were true.

When a bill is overdue and handed over to a collection agency, the name of that credit agency appears on your credit report, not the name of the medical facility.


Right and that's what happened to me when my medical debt went to a collection agency in March and when I checked when my credit report in August the credit agency wasn't on there

Brieannas21
09-20-2012, 07:32 PM
Whaaaat? :lol: I wish. I bet a lot of people wish that were true.

When a bill is overdue and handed over to a collection agency, the name of that credit agency appears on your credit report, not the name of the medical facility.

Exactly, back when I was first starting out and I did not have a job or insurance and I broke my wrist, I had NCO financial all up and down my credit history.

yayaya
09-20-2012, 07:39 PM
when my medical debt went to a collection agency in March and when I checked when my credit report in August the credit agency wasn't on there
So this past year it went to a collection agency? If so, give it time, it will show up eventually. The collection agency won't put it on your credit report right away. They attempt to collect the debt first. Sometimes it takes months and maybe it takes a year or two before they get to the point of putting on your credit.

I had NCO financial all up and down my credit history.

Good Lord, I think that is the same one I had on mine years ago. LOL

Brieannas21
09-20-2012, 07:49 PM
So this past year it went to a collection agency? If so, give it time, it will show up eventually. The collection agency won't put it on your credit report right away. They attempt to collect the debt first. Sometimes it takes months and maybe it takes a year or two before they get to the point of putting on your credit.


Good Lord, I think that is the same one I had on mine years ago. LOL

Believe me, I was happy when that debt was paid off. But because of that we had to put down a HUGE down payment on our first house. Past debts will catch up with you when you least expect it, even if you pay them off.