Disputing a Bill

I had a medical bill from January 2013 ( I was paying monthly install-
ments) and it was completely paid off by February 2014...oh so I thought.
In June 2014, I received a bill stating that I owed $75.62. I tried to fight
it over the phone, but she said my insurance denied that amount, so I
gave in and paid the bill. A month later I got a new bill for a higher a-
mount than the month before. This time I owed $188.74. Bills are sup-
posed to go down when you pay them not up. I called the lady again and
she said she'd have my insurance company reprocess the bill. Two months
later $75.62 is removed from the balance. In November 2014 I got my bill 
down to $93.00, so I decide to pay the entire bill off.

After I paid the bill off again (for the second time) I called and requested
a payment in full letter to be sent to me and she refused. She said I still 
owed her guess what?...$75.62. I protest again and she says I still owe
the money, but two phone calls later she sees the light. She's sending me
a letter in the mail confirming that my bill has been "paid in full." Finally
success!

When you're disputing a bill be sure that you keep good records. 

Steps to Help You Dispute a Bill

* Keep every bill that you receive.

* Write down every person that you speak with, the date, and the time.

* Keep every letter that you receive.

* Don't give up. If you know that you don't owe the money you have
   the right to dispute the bill. However, you still need to pay your
   monthly payments while you wait on the situation to be resolved,
   or you will damage your credit.

Pay Phones

I was at a hotel and I saw this pitiful wall. I could easily imagine people
standing there using the pay phones that used to be there. I started using
pay phones when I was about 10 and it cost 25 cents per call. Once, I
called Best Western on a pay phone just for the fun of it, because it was
a toll-free call. They had such a catchy jingle I had memorized the phone
number. When I got a little older, the cost of a call was 50 cents.

I don't remember the last time I used a pay phone, but I have fond mem-
ories of them. You knew you were using a good pay phone when you
could get inside a phone booth and the phone booth was clean, you could
close the door, and there was a phone book inside too. Oh yeah...then you
were set. But, if the door didn't close, the phone booth was dirty, and there
was no phone book, you might want to get out of that neighborhood.

There aren't many pay phones around anymore, but more than likely you
wouldn't need one. I'm sure there would be at least 10 people around that
would let you use their cell phone for free.

Focus

Fairy tales teach you a lesson
Observe this year as a blessing
Create a positive plan
Understand this is a new beginning
So the end of the year you'll be winning