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Lena Said:

Does my non compete agreement restrict me from working in the same industry?

We Answered:

By the wording it says you can't do business with the same clients, in the same business (insurance). You can work in the same industry, but can't work with the same clients.

If you'd move to a different area, you'd be complying with the agreement...or wait one year and do what you want where you are now.

Tiffany Said:

Law regarding denied medical claim?

We Answered:

The most difficult part of answering Insurance questions on Yahoo! Answers is that the law varies between each State. Thus, it would be nice to know what State you were in at the time.

Pre-Existing condition clauses are difficult to understand and very problematic. I'm sorry to hear that you've encountered difficulty with your insurance company. While I understand why insurance companies have these clauses, it still ends up causing people grief.

Answers:
1. You don't *need* to pay the bills, no. However, when and if the bills pass the due date as established by the Hospital or Clinic, they can send the bills to collections. When people were appealing claims that I was working on, depending on their financial situation I'd sometimes advise them to pay the bills. When and if the appeal went through, they would get their money back. Sometimes I advised against it. With the shear amount of money here, I'd advise against it, but it's really your call.

2. Yes, they can and will send it to collections. Yes, as a representative of an insurance company, I've worked with collections agents. During these tough economic times, even collections agencies have been more forgiving.

3. Yes, these are your bills, unfortunately. Now, what I don't understand is how your mother was insured. Was this travel insurance from a company on your mother while she was in transit?

Sherry Said:

Looking for advice and success stories on credit! Here is my entire story, it's long. Please read and help!?

We Answered:

Yes like Judy said. If you are making an attempt to pay your hospital bills they can't take you to court. So start paying them what ever you can afford. As for the "I was not taught anything about credit" come on you know you can't spend more than you make. I know that is hard but every single credit card you have needs to be cut up and not used. The retail cards with 300 and 400 dollars needs to be paid for and not used. That money would go a long way to help you each month. Your credit score sucks now so do what you can to start fresh. You may have to get a second job if that is possible to help you stay afloat. Quit worry about what your friends have that can get you in trouble also.Be happy with what you have and have accomplished . It sounds like your very smart you have just made some poor choices. It is never to late to learn from them and move ahead. As for going on with college you probably should hold off work as much as you can and get ahead of your bills first. This probably has not helped but JUST KEEP TRYING. It has to get better right!?

Eddie Said:

Can I sue an Accident Law Firm If I can prove I was not represented to the fullest?

We Answered:

No, the lawyer's percentage of your recovery would not have been reduced regardless of what the doctor charged. Go read the contract you signed when you retained the lawyer--it likely stated very prominently that they would get one-third of your recovery. So if the doctor got more, then the amount you keep is reduced. So if anything, your own argument shows that the lawyer helped you. Obviously, if you continue to get medical treatment, the doctor is going to continue charging you. They don't work for free.
What you should have done was asked the lawyer to explain to you why they felt you could get no more than $15,000.00. Was that the policy limit of the drunk driver? Or was there a reason that they thought proceeding with your case would not benefit you?
It seems like you agree to and sign things without really knowing what you are signing and what the ramifications are. Please read carefully and ask questions if you are not sure. Trying to sue a lawyer for malpractice is very tricky and challenging, even for other lawyers. But a for a person who is not a lawyer, who doesn't really understand the facts of the alleged malpractice, it's a losing proposition

Roberta Said:

Can losses in one self-employed business offset income in another?

We Answered:

Yes, the loss on business #1 will offset income from other sources (including business #2). This will reduce your taxable income and reduce your regular income taxes.

However, the loss on business #1 will NOT offset self employment taxes that are due on the profits from business #2.