Hi everyone, (long-time lurker here using a quick-made account for this post). I’m in a difficult financial and legal situation and could really use some guidance. On November 15, 2024, I was involved in a DUI accident while working as a delivery driver (not alcohol-related). I fully acknowledge that driving under the influence was a serious mistake. The reason I ended up in that situation was that I took drugs to cope after a traumatic work incident, where someone flashed a knife behind my back the previous week. On the night of the accident, I was working with the same person again, and I made the wrong choice in handling my stress. I deeply regret my actions. Since then, I have complied with all legal and rehabilitation requirements—attending therapy, DUI courses, and adjusting my medications—and I’ve made a complete turnaround in my life. During my delivery shift, I hit another car (a 2024 Toyota Highlander), but thankfully, no one was injured. My insurance initially handled the claim, but now Wilber Group has purchased the debt from the insurance company and is demanding $25,000 from me. My Financial Situation: • I am a student and will not have a steady income for the foreseeable future. • I am on disability due to hearing impairment and mental health conditions. • I currently make $17/hour, working 24 hours per week. My Questions: 1. Can I negotiate this debt down to 10-30% of the amount owed? Since debt collectors often buy debts for less than their full value, is it realistic to settle for significantly less? 2. Can they take any of my assets or garnish my wages? Location: Minnesota, and I’ve heard there are exemption laws, but I’m unsure how they apply to my situation. 3. What is my best strategy for dealing with this debt? Would negotiating a lump sum settlement be my best option, or should I try for a payment plan? 4. Could bankruptcy help me discharge this debt? Would a DUI-related accident debt like this be wiped out under Chapter 7 bankruptcy since I have no significant assets and low income? 5. Could recent tariff increases on cars affect the amount I owe? Since the Toyota Highlander I hit was a 2024 model, and the incident happened before April 2, 2025, could the recent tariff increases on imported vehicles have inflated the amount Wilber Group is demanding? If so, how can I challenge that?

I switched to an HMO plan, and all doctors at the practice I go to accept my insurance, including my PCP. However, the PCP I was seeing is relatively new, and because of that, they don't show up on the list of providers when I go to assign my PCP with my plan online. I remember having this issue a year ago when I tried seeing them for the first time (I wound up having to wait until my job gave me an EPO plan). I love my PCP, and don't want to have to choose a new one after being with them for a while. Is there anyway to get my insurance (Anthem) to update their list? Or would the doctor have to go through a process on their end?

Who else thinks that we should ban people who provide false or misleading information in this sub? Or at least have a rule against misinformation so that we can report comments with misinformation and get people can get banned from this sub? As a broker with more than 10 years of experience and running my own agency, I have zero tolerance for misrepresentation and misinformation. This is a bit of a rant with another post's comment from an agent from Primerica r telling a consumer that they should cancel a whole life that has been in-force since 1949 because they claim that the death benefit is going to be taxable, which is lies. We should be able to ban people from this because even the OP responded like, oh, I should consider that. As someone who genuinely cares about clients and protecting their best interests, this is something that boils my blood when I read. EDIT: I'm not talking differences of opinion (e.g. Term in better than permanent). I'm talking about LIES. Verifyable proven lies. Such as "the death benefit of whole life is taxable"

Gcredit 151 na utang Hello guys. Sobrang taas kasi ng penaalty na pinataw sakin ni Gcredit, napabayaan ko na din ilang buwan kasi nalimutan ko na meron pala akong existing na na-utang don i think mula sa pagloload lang. Nung binuksan ko, 1500 ung penalty pero yung utang ko is 151 lang huhu. Feeling ko sobra naman yung penalty at nagcontact ako sa customer service ni gcash at email ng collection pero wala reply sa email at sa help center is wala silang nagagawa. Parang ayoko bayaran dahil feeling ko excessive naman. Total is 1651 lahat from 151 na utang. I know na fault ko na hindi lagi nagchecheck ng accounts ko pero balak ko naman sana bayaran pero hindi sana ganiyan kalaking penalty na 10x sa loan ko. I did research and saw BSP Circular No. 1133, series of 2021 which is "A total cost cap of 100 percent of total amount borrowed (applying to all interest, other fees and charges, and penalties) regardless of time the loan has been outstanding." valid po ba ito kay gcredit? Should that mean na 151 lang din dapat ang max fee (penalties, service charge and interest) na babayaran ko with my loan totalling to 302 pesos max?

Received my 6-month renewal notice for Progressive and suprise (:smile:) a 20% increase. Problem is I use Snapshot, have 4/5 average, which I thought yields an additional discount, not an increase. I called. Progressive claims rates go up/down all the time and can not give me specific reason for this increase. My 4/5 average Snapshot is already included in new rate. Is this practice common, follow *their* Snapshot rules - get increase ??

Hey, has anyone ever dealt with owner guard gap insurance. I have been calling them for 5 days and emailing them and no one answers. It seems to only be one person that is working that is in a total different department. They don’t even have a headquarters if anyone has been in contact with them please let me know. I’m just trying to get a hold of anyone because someone totaled my car and I’m left paying out of pocket. Thank you for your time.

I am trying to move my HSA out of Fidelity for a previous job, since they will start charging fees. When I tried to open a Lively HSA, I got this message. Has anyone else run into this before? Any theories why I might be getting this? \--- Thank you for reaching back out to us. After careful consideration by our accounts team, we have determined that we will be unable to open an account for you and have no further information we can provide. There is no further need to contact us about this as our decision is final. We consider this issue closed and will not be responding further. Thank you for considering Lively, we truly wish you the best at finding another HSA provider. EDIT: I just contacted Fidelity, there are actually no fees! I'll be keeping it as it is.

I’ve been scrolling this thread trying to find the best option for mine and my husband’s dogs but it seems every option sucks. We have a 7 month old rat terrier and a 10-12 week old husky mix (not positive on age or breed as we just got her and she was abandoned by previous owner). I looked at spot but all the reviews are terrible, same with ASPCA. My biggest concern is the cost of preventative care like vaccines. Both are due for vaccines and I’m hoping to find a way to lower the cost somehow. Someone please point me in the right direction 😅

I just got an email that they're increasing premium from $38 to $60 in 60 days. Any suggestions on another insurance company?

Location: Oklahoma I need some advice and around march I had a bad wreck and totaled my vehicle . I still owe money on my vehicle loan that I don’t have right now, and my insurance company is stating that I need to pay off the loan or give them my vehicle back. The body shop said I did roughly $9000 in damages. But I had 2 different mechanic friends say that they can fix it for $1000 to $2500 max. My plan was buy the vehicle back and get it fixed for around what my friends told me. My insurance company is telling me that I need to pay the loan off or give vehicle back to them before they do anything. I would really like to keep the vehicle and fix it. It seems shady that it would have to go to an impound. What do I do? I have the vehicle at my home right now and I don’t have the funds to pay to have it towed an hour away or an hour back.