Posts by neontiger63

A guy works hard.
Then he gets laid off.
He had an overdraft limit—let’s say $1000.
Since his paycheck stopped hitting the account, the bank eventually starts cutting back that limit—reducing it by, say, $100 every single month.
No big deal.
So, the following month, his balance sits at -$1000, where $100 is the unauthorized part and $2,700 is within the allowed limit—$3,000 total.
The man deposits $100 and now he's just sitting within his authorized limit. He tracks the reduction of the limit carefully... making sure he doesn't slip into the red.

Now, here is the situation:
Authorized limit is -$900, but the actual balance is -$2,705. This means he's $1.75 over the limit because of some accrued interest. Fine... that's perfectly logical.

Then, out of nowhere, a garnishment arrives—doesn't matter who from—for the amount of $333.
The clearinghouse processes it with extra fees of about $53 and they just grab his money
straight from the checking account... which pushes him from an authorized overdraft of $1.75 straight into an UNAUTHORIZED overdraft of $55.

HOW IS THIS EVEN POSSIBLE? They take his money and then plunge him into an UNAUTHORIZED deficit???

They might as well have just taken the additional $333 he owes right then and there. Unbelievable...

Is this actually legal???

Casey Bennett2 said:- Is there really no way to make that appointment at the Mayo Clinic as scheduled?
- If that’s actually the case, can we just cancel the appointment? And if we do, will they reschedule us for the earliest possible slot after rehab—which basically means skipping an entire month of check-ups, plus all those holidays coming up... I really don't think waiting that long without a follow-up is a good idea!

Thanks!

Look, here is some info based on actual experience.
Someone I know was undergoing inpatient treatment at a medical spa for three weeks.
During those three weeks, they had a single day scheduled at the Mayo Clinic for blood work.
We had been waiting months for that specific slot and we weren't about to push it back again...

What they told you is partially true—in a sense.
It can be done, obviously, but the staff at the spa would have to officially discharge the patient for that one day and then re-admit them the next morning to continue treatment. It involves a mountain of paperwork for the facility to process—essentially a formal discharge followed by a re-enrollment—and honestly, it’s just easier for them to tell you "no" than to deal with the bureaucracy.
It is 100% possible.
But listen—do not go rogue and skip out on the spa without being properly discharged first. If you do, the hospital won't take you because their system will show you are still an active patient at another facility.
So the workflow is: discharge from the spa—head to the check-up—return and re-register to resume the stay.

As for medical transport... that’s a whole different headache. That really depends on the doctor you're dealing with—everyone handles it differently since the guidelines regarding transport eligibility are incredibly vague...

John Clark6 said:Carl Nguyen5 - I mean, your situation is a bit different—if the delivery wasn't handled properly, you might actually have to resort to those extra legal remedies they use for cases just like this.

Nancy Richardson2 - I honestly can't believe lawyers are still trying to charge people for "notice fees" or whatever else... it was settled ages ago that there's absolutely no legal basis for that!

I actually posted this over in the Housing/Property Managers thread:
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A tenant received a formal notice from a lawyer representing their property manager regarding some unpaid HOA fees from a few months back.

Now, here is the thing—the property manager just added a line item labeled NOTICE FEE $33 (which is almost certainly the fee for that lawyer's letter).

Under consumer protection laws, charging these kinds of notice fees isn't even allowed anymore.

Does the tenant have the right to dispute that specific line item on the notice or statement? Everything else is accurate—they owe the money—but they don't want to pay these arbitrary fees if the law says they don't have to.

To be clear: the tenant missed a few monthly dues, received a notice that included those extra $33 charges, and has since paid all the outstanding dues in full... but they are refusing to pay the notice fee itself. No lawsuit has been filed, no seizure of assets, no actual legal action has been taken yet—just the notice.

Thanks.
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I got a response over there, but I wanted to get your take on this too, given what I've quoted above...

Thanks.

Here’s the real reason why these waiting lists just keep getting longer... it's because they're forcing orthopedic surgeons to work like they're working at a local tire shop!!!

http://prntscr.com/56jxev

Who actually froze the account?

The bank lifted the overdraft limit, so now it's sitting in the red $9.75 ?

If that’s the case—and assuming there isn't some other complication—she doesn't need to bring any cash to cover it. Once the funds hit the account, the bank will just grab what they're owed... leaving her with whatever is left above zero.

Now, if the account was frozen by, say, a local municipal court, they’ll settle those fines first. If there's anything left over after that, she can use it. Again, no need to carry extra cash around...