That's a horrible way to treat a veteran!

file for bankruptcy immediately. like right now... good luck

Wow one clerical error ruined this man’s life. This might be the saddest call I’ve heard in a while. I hope this gets figured out for him.

I like the way Mr.Ramsey listened to this guy's entire story before commenting!

My heart breaks for people like this......

I work in healthcare admin and while this is certainly an extreme case in terms of the amount, this is not surprising at all. Medicare and the VA are both horribly run garbage dumps of incompetency. And the saddest part is that this is a horrible way to treat veterans who give so much for this country.

A perfect example of why we shouldn't be so quick to judge the homeless. You don't know who they are or what led them to that situation

This is shameful! How can we treat our vets like this?! The medical billing system is so shady.

This destroyed my heart...

the American health system is so messed up... smh.

My heart ripped in half.

Since I am in healthcare, first of all, he should have reached out to the Revenue Integrity Dept of the Hospital to help him figure out who should be paying his bill Medicare vs. Tricare, secondly, you can always negotiate down your bill and lastly, most hospitals have funds dedicated to charity care and apply the balance towards that.

File bankruptcy for someone else’s mistake? Have your life turned upside down? Homeless?? This is a travesty. I want to help someone like this. How do I help?

I don't understand... he was a veteran but they took him off VA benefits?

A lot of the people who call Dave were stupid with money-this is an exception, I feel for the guy. Medical debt is the scariest because even if you are amazing with money and good at taking care of yourself, it's the one that could hit you out of nowhere-even with a good health insurance and sizeable savings.

This is huge problem here in USA ,the medical situation ,the health insurance ,the medicine .....oh boy is incredible here :(

So sad, Poor man! its people like him who I feel bad for but those who are in debt because of fancy cars, luxurious houses, & credit cards, etc... are the ones that should feel ashamed. To a certain extent I understand credit card debt but when you dig yourself too deep in the hole... it will be more than a struggle to get out. I hope this man finds a good lawyer and gets all this overturned!

God Bless this gentleman... this kind of crazy thing goes on all the time and people are beaten down by it, too afraid to face off with insurers OR the medical collection agencies. Sir, I hope you have found the help you needed through a local agency or case manager. I know this was a while ago.... but I am still praying for you.

Ummm this doesn't sound . . A nurse doesn't do insurance review ans he can have two insurances one is primary the other is secondary . I think he need a friend to go with him.

Don't even need to watch the video. YES. I would file. You have $800K in medical debt, that is one of the only scenarios where I would see bankruptcy as an option.

Yes. File Bankruptcy. Yes, File Bankruptcy. Yes, File Bankruptcy. File Today.

Dear lord sorry to hear this man.

I hope you’re in a better place Sir ❤️

praying for him 💕

This poor guy is delusional...He doesnt have a firm grasp on reality if he thinks he can pay this off...

What a terrible story. God bless this man, what a horrible way to treat a vet. We pray for you and thank you for your service

if this man is homeless and only has $1,300 a month he should apply for medicaid and have that along with medicare. He should have the claim re-submitted to medicare, this man should try contacting medicare again to see if his insurance is set up correctly cause 800,000 is allot of debt.

I feel for this guy. There should be no scenario in which a person should owe $800k in medical debt...especially a veteran of the armed forces. That’s ridiculous. Medical care in the US is such a racket. In my opinion it’s the #1 thing that needs to be fixed before anything else.

I like your show, what a sad situation

There’s a lot of important details missing here.

How distressing it must be for a person to be convalescing after a medical procedure but racked with worry about the impending medical bill or whether their insurance will cover he cost.... that will help their recovery....not!

THIS IS BEYOND HEARTBREAKING! WHEN PEOPLE END UP HOMELESS I JUST DON'T UNDERSTAND! no friends or family?

Hopefully he can find legal aid or someone to help. Poor people just get in situations like this because they don't have resources or completely understand what's going on. You cant live well but you can get by on that kind of money in a low cost area, usually in the south,

As a Canadian it is sad to hear of such devastating debt from medical bills and student loans.

I'm wondering, does Dave mute the callers at the end of the show when he pushes that button on his desk?

It's too bad Dave didn't have someone in his Legal Dept help this guy navigate Legal Aid in the caller's local area. The boneheads at Medicare should do a more comprehensive check before retroactively taking back payments.

Hospitals are the worst. They vastly overcharge for everything because of insurance companies and then those without insurance are stuck paying false, overcharged prices.

Hello Dave 😀

He’s so smart and sensitive.

The only thing I can think of. If he was admitted in the hospital, he gave his name as someone else and used their insurance card. When they checked the social security numbers, they figured out he was a fraud. I've seen someone give the wrong social security number at a hospital and a wrong name.

I would file for bankrupcy in a heartbeat. In 7 years I would be good again.

What an absolute mess, best of luck to you sir.

Dave should've helped more. I feel for this guy. It's a really tough situation. God bless you bruh.

poor guy...this is heartbreaking

This makes me so sad. I hope this guy gets the help he needs.

I was surprised that Dave didn't chew him out for paying on these debts when he's homeless. A lot of states have caps on garnishments (mine is around 15%). If he can go back to work and get that part of his life back together (food and shelter), making much more than disability, then he would have a quality of life that is reflective of where it should be in his situation. No amount of debt should make you have to live on the street. That is giving the collectors way too much priority in your life.

Dave Ramsey - “I don’t know the situation..” and “I don’t have that resource..”

Poor man, prayers for him.

That's break my heart..

That breaks my heart :( yes he needs to file for bankruptcy right away

If he's as old as he sounds on the phone, I'd suggest doing more research on living happier on $1300/mo instead of finding ways to pay off his debt. He should file for bankruptcy but while he waits for all that stuff to clear which can take years, he should move overseas to countries that have lower living expenses. You can live pretty well in South East Asia on that disability income.

What did Dave say when he hit the mute button?

This one utterly broke my heart 😞

poor guy... wish him the best

Call your Congress critter’s office to lean on Medicare to fix this mess

Declaring Bankruptcy is a legitimate part of most health insurance plans.

Someone should find out who called and told and let that person live like him for a year and see how it feels.

Heartbreaking

Something not making sense abt his story

So glad I don't live in the US. I would never be able to afford medical bills if I ever got injured

The VA has a program called HUD VASH. They help veterans find housing.

If you are living on disability--bills cannot be collected.

They should put the guys email up and he could set up a just giving account. I am sure lots of people would contribute to help this guy out.

I would suggest calling legal aide in his city. Most cities have a legal aide society for people that meet the poverty level

Wow this was the toughest story I've heard on this show

I really hope he finds peace of mind soon. The health care systems needs to do better especially for veterans that risked their life for this country.

Poor guy sad sad story, he hurt I can tell.I would get myself a Van and become a Nomad. They can collect when I'm dead.

i almost started crying. omg!!

This is what Bankruptcy is designed for. He needs to go talk to an Attorney. If his income is low enough he might get a free attorney. I filled for Bankruptcy and there is a system setup in my state for people that need to file for bankruptcy in which the state will pay a reduced rate to the attorney.

I hope he’s okay now

My heart hurts so bad for Andrew. I wish there were something we could do for him.

Thank God I'm Canadian.

Wow YES file bankruptcy. This situation is so sad.

in his situation why should he try fighting it again what bad things would happen if he just filed for bankrupsty

People commenting here, bashing US heath care. Trust me, it's not exactly rosy in the EU. Yes, it's free....but. You have to wait MONTHS, if it's not a life threatening operation, and not everything is covered. Like you get a teeth extraction, but that's it. Anything else for teeth, you have to pay. The only upside is, if you happen to be in an accident, there is no way you are going to pay a single penny in any situation. I get horrified when I head you guys have to pay for the ambulance, for the room, and on inflated prices. In the EU, that is free. In some countries how ever, you "tip" the doctor. Like when you have a baby, you "should" give 1000-2000$ in an envelope to make sure they take care during birth. I know it sounds weird, but it's just a tradition I suppose and who is going to risk it. But it comes with a price, you are paying anywhere from 17-30% from your paycheck for all this, and it's mandatory, they just take it before you receive your paycheck. I haven't been sick in my life, so I 'wasted' God know how many, maybe 20-30.000$ only on this and I never used it.

Last I heard, welfare dept. can refer you to a free program to help you do a bankruptsy - can't hurt to try. You would probably be eligible because you're on disability

You know it's bad when Dave says file bankruptcy...but no real options beside getting it cleared up.

The healthcare situation in the US is crazy... $800k hoooly

how do i find him?

Guy sounds like Chris Farley in his act where he's living in a van down by the river... Which is ironic considering the situation...

Yes

how is this even possible???? how can someone else turn his life upside down like this?

He's confused. A nurse didn't do such a thing. It was a clerk of some sort. Nurses are far too busy taking care of patients - no time to meddle in the insurance business. Just sayin'.

If he is going to try and fight the government, he needs to contacted his congressperson.

Absolutely

A fair number of commentators are buying this guy's story hook, line, and sinker. This is load of bunk. Not sure to what degree, but this guy isn't the completely innocent victim of circumstance he is trying to portray.

Medicare for all needs to be passed. There’s no reason it can’t or shouldn’t be.

short answer YES

Andrew I feel you 600K, 1100 / month is the maximum income for Medicaid if it was not for my mom & sister I would be homeles also God Bless keep going to the VA. Administration they have programs to help you secure Housing with 3 months rent GOD BLESS

......"Doin pretty good", $800,000 in debt lol.

$1300.00 per month over 4 years is $62,400. So,He said he paid off over $200,000 in 2 years. What did I miss?

Dave .. pay it off for him .. no sweat

I'm an American / Irish dual citizen & I've lived in the UK & I think socialized healthcare is great & the norm every developed country in the world........ except America. In England I can get refills for free & eye exams for free unlike in the US . Healthcare is a right not a privalage in short the American healthcare system sucks ! !

What this country does to Vets is insane!

USA loves their vets. However when I demobilized after three years at Logan Airport Boston. in Sept 68 ..I can tell you...NO ONE WAS THANKING ME FOR MY SERVICE!... I go to the US rarely (I am Canadian) and it makes me want to puke in my shoes when the Cheneys and Trumps .."Thank me for my service!"

😢😢😢

Discusting; this man fought for this country so the politicians never had to. Now this poor man has terrifying bills. These politicians need to hang their heads in shame.

The healthcare system is so busted in the US

Something isnt right here, there is more to the story

As long as you put in writing that you will make payments- the hospital can do nothing. I have been there. I made 2 payments of 50.00 each for 3 years. Go to a university that has a law school and ask for help. You have to put this in writing. Good luck and keep up the fight. I would not give them more than 100. A month. What are they going to do? They are getting something at least.