So if I were forced into buying insurance...

[Leftist Agitator]

The cheapest plan in my state sets my premiums at $251 / month with a $4000 deductible.

I make $9/hour and am working about 30 hours a week right now.

Rent and bills take every penny that I have.

Where exactly am I supposed to get $251 / month?

All of the subsidies in the world can't make money appear in my pocket that doesn't exist.

Ergo, I would have to be subsidized for 100% of the cost of health insurance that I could never use.

Or pay a $750 dollar fine with money that I don't have.

How does this make sense again?

[golddigger]

1. I'm sure one of the WhiteHouse.gov people will be here in...

5,4,3,2,1 to explain this to you.

[Leftist Agitator]

3. I just want someone to explain how I am supposed to afford mandated coverage.

And how that benefits me when the deductible is so high that even if I weren't paying for the premiums, I could never use the coverage.

[golddigger]

5. Sorry, I should have said "Us" instead of "You."

[ananda]

8. and tell you how historic it is.

ick

[HereSince1628]

2. You just THINK you need to EAT, gid ova it! n/t

[Cleita]

4. It doesn't which is why this is such a bad piece of legislation in the bill.

These mandates criminalize the poor and IMHO are fascist totalitarianism. We will have to make our elected representatives change this before this goes into effect in 2014. Write to your senators and representative and tell them exactly what you just wrote here.

[TorchTheWitch]

52. it's NOT just the poor!

Middle class people are in the same boat. Most people in this country are 1 to 3 paychecks away from financial disaster. MOST people simply do not have the extra money to pay for insurance. Why do people think that healthcare reform was so necessary anyway? Because MOST people could no longer afford it! This bill does not make it any more affordable! It mandates that you must pay for it, and if you don't or you can't you have to pay a fine. And now with the tax on people who get insurance through their job how the hell are they supposed to afford it any more with this bill then they could before the bill? Most people don't qualify for any significant subsidy, and if they are so poor to qualify they aren't making enough money to live on already with NO insurance!

This bill makes things worse for MOST people.

[Jamastiene]

Yes, the middle class seems to ALWAYS foot the bill for bad legislation too.

It goes back to President Obama's Reagan hero worship, which was the thing that gave me pause about him. Now, he's following Reagan's ideology that the middle class must be eliminated.

[Dorian Gray]

86. I agree....

the mandates are a gift to the insurance companies and a hit to the rest of the American public.

[sandnsea]

6. You would qualify for free Medicaid

Or a subsidy for the exchange which would reduce that premium because of the group buying power in the exchange.

So it will most likely be free or at most, somewhere around $30 a month. I believe the lowest income rate is 3% of AGI, in that neighborhood.

Does that make sense to you?

[Leftist Agitator]

7. So I'd only have to pay $30 / month for coverage I couldn't afford to use?

Awesome!

:sarcasm:

"You would qualify for free Medicaid"

Got a link to the pertinent section of the bill that says that?

[sandnsea]

9. House is 150% of poverty, Senate is currently 133%

If you don't know that, then you've really just been seeking out excuses to trash the bill and aren't sincere in your views at all.

Why couldn't you afford to use a policy that you pay $30 a month or less for? You could pay half your salary to taxes to get "free" health care, how would that work out for you?

[Leftist Agitator]

"Why couldn't you afford to use a policy that you pay $30 a month or less for?"

Because I'd have to pay $4000 out of pocket before I'd ever see a dime in "coverage".

[Pisces]

29. $4000 is about 1 min. in a hospital due to an emergency. No one plans for an accident

they just happen. When you get in a car wreck, slip on ice, trip down the stairs, etc. Currently the emergency bills are paid for with higher medical costs to all. If everyone were insured these costs would go down.

You might now be able to use your med. isurance for a cold, or the flu, however similar to auto insurance it's there for the accident.

[girl gone mad]

58. Keep dreaming.

"If everyone were insured these costs would go down. "

What in this bill is going to contain costs? If anything, prices will go up since now everyone is forced to buy insurance. It's basic supply and demand. We're significantly increasing the demand for care. How is that going to bring costs down?

[Le Taz Hot]

87. "If everyone were insured these costs would go down."

In CA that is EXACTLY, and I mean word-for-word, what they said when the insurance companies enacted mandated car insurance. Know what happened? The people that didn't buy insurance before STILL didn't buy insurance and our premiums went UP. I'm not buying into that one again.

[sandnsea]

36. There won't be $4,000 deductibles

That's part of what the regulations will change.

[girl gone mad]

60. Then demand will go up even faster..

and co-pays will rise to make up for it.

It's kind of cute, in a scary way, to see how out of touch with reality some of the bill's defenders are.

[Boudica the Lyoness]

21. In the UK no one pays half their salary

to get totally free health care. Why the hell is the US government so anti-American?

[Leftist Agitator]

27. Do you know offhand what % of your income is paid for the NHS?

I'm curious.

[Boudica the Lyoness]

31. I haven't a clue.

I've lived in the US for 35 years. All I know is my friends and family (in the UK) get excellent health care and they never have to worry about medical bills. When they are sick, they only have to worry about getting better and not loosing their homes. Even though they are just regular working people they have wonderful life styles with nice homes and vacations.
On the other hand here in the US we are swamped with insurance premiums AND medical bills.

[vadawg]

28. but you do pay for it in taxes, you might not see the money in your pocket but it does come from the

taxpayer. Cant remember what the latest numbers where for the percentages that each subject pays for the NHS...

[Boudica the Lyoness]

32. Yes it's paid in taxes but

I think the UK has different priorities. Instead of shoveling money into the pockets of the greedy rich and crazy DOD spending (to defend said subjects) they keep them alive and protect them with decent health care....and prevention.

[vadawg]

39. decent health care is in the eye of the beholder, is the dentist shortage still there

wasnt it back about ten years ago that you couldnt get an NHS dentist for love nor money... i think every system sucks in its own way and every system rocks in its own way..

[readmoreoften]

49. Oh bullshit. We have a "nursing shortage" here and that doesn't mean much of anything.

I'd take Britain's health care any day of the week, thanks.

[Boudica the Lyoness]

51. NHS does improve.

The thing that strikes me about health care in the UK is that the MP's seem to want to the right thing and do, unlike here in the US.

Here's an example for you to behold; (From the Telegraph Nov 19th 2009).

"In the past two years around three million people have been unable to make an appointment with an NHS dentist. Millions more have given up trying or have been forced to go private for treatment.

The proposals form part of plans for an expansion of patients' rights unveiled by Andy Burnham, the Health Secretary, and Gordon Brown.

For the first time anyone forced to wait more than 18 weeks on the NHS will be legally entitled to free private treatment from next year, as will cancer patients waiting more than a fortnight to see a specialist.

All patients between the ages of 40 and 74 will also be given the right to a 'health MOT' every five years from 2012.

As part of the raft of new entitlements the Government is also considering giving patients a legal right to die at home, to cancer tests within seven days, to personal health budgets, which allow them some say over their treatment, and to evening and weekend GP appointments.

Ministers have admitted that more needs to be done to increase access to health service dentists".

[Djinn]

69. CRAP

I heard this bullshit before heading to the US to find that even WITH really good insurance the hospitals my friends were going to were grottier and less resourced than any public hospital in Australia or UK (I lived in Scotland so not sure about England but doubt very much the NHS pours it's cash exclusively north of Hadrian's Wall)

The myth of shortages and soviet style hospitals is simply that A MYTH.

A friend of mine in the US, in a very similar job with similar wages to me pays more for his health insurance every year than I paid in taxes in total last year, and for that money I got all the other stuff like roads, schools, food inspection, an army etc. If he had actually needed to use his insurance it would have ended up being double what I paid in tax (in total - not just healthcare) for that year.

Curious in what way does the currents US system "rock"

[Bluenorthwest]

38. And what, we don't pay taxes in the US?

I know I do. Plenty of them, from the day I started working at age 19.

[vadawg]

40. yup, not sure of your point, mine is that the NHS isnt free it still ahs to be paid for

the UK subject pays for it via taxes, i pay for my healthcare through direct contributions to the insurance company, but in the end we all have to pay some way..

[Djinn]

70. sigh

however YOU pay around 5 times as much as any comparable citizen in a nation with national health does for healthcare, and then if you actually have to USE it it's a further cost.

Kinda like if you had to pay for your own teachers/soldiers in the private marketplace it'd cost more than your tax funded teachers and soldiers do now.

When someone is making a profit from something it NECESSARILY costs more.

[Boudica the Lyoness]

73. Big difference

Nobody in the UK will ever loose their home, farm or business because they became sick. Here in the US we are all in danger of loosing everything we have worked work all our lives through no fault of our own. That NEVER happens in the UK because of illness. I think you may have had a little nip of the Republican's koolaid.

[Matariki]

83. It sucks when everything gets all loose. Like losing a goose.

sorry. just had to ;-)

[Boudica the Lyoness]

92. No your not sorry

You're one of the reasons I don't post here very often.

[Political Heretic]

41. Of course - as it should be.

[Uncle Joe]

42. That may be true but their taxes don't go to support an unnecessary private for profit industry

which only serves to drive the cost of health care up in the pursuit of profit, cost of advertising and the bribing of political leaders.

What good for the sake of health care and the cost associated with that endeavor comes from "health" insurance profits?

[goodgd_yall]

66. They're getting something for their taxes---big difference

We Americans pay taxes and have to still worry about affording health care, child care, and losing jobs at the whim of your employer. I think the Europeans have it pretty good.

[dysfunctional press]

68. virtually nobody gets 'totally free healthcare' in the uk.

they pay for it with their taxes.

[Boudica the Lyoness]

74. Please read my posts above.

Thanks.

[dysfunctional press]

75. no, thanks.

you said plenty with your ridiculous 'free healthcare' meme.

i've had my fill.

[Boudica the Lyoness]

77. Then remain

the ridiculous brain washed person that you have become. Boy, you really were gulping down all the shit you were fed by the greedy politicians weren't you?

[dysfunctional press]

79. i'm sorry- but you must have me confused with someone else...

i don't eat british food.

:rofl: :rofl: :rofl: :rofl:

[Name removed]

93. Deleted message

Message removed by moderator. Click here to review the message board rules.

[dysfunctional press]

95. "a ugly american" ? "your closed minded and ignorant" ? "free healthcare" ?

you'd think that someone who was so proud to be british would try a little harder to learn the language and it's grammar. :shrug:

not to mention how your own health service is funded (it isn't 'free').

but- you certainly speak volumes about the quality of a british...education? (or lack thereof).

[Boudica the Lyoness]

78. whoops

[salguine]

72. Because corporations essentially ARE the government, and Congress is no more than

middle management at best. These corporations absolutely will not stop until everyone on the country is barefoot and destitute.

[eridani]

63. And why do you need shitty mandatory insurance just to change Medicaid?

Answer--since Medicaid legislation already exists, you don't! Medicare, Medicaid and fixing the donut hole could all be done simply by revisiting currently existing legislation.

[Hannah Bell]

85. exactly. "oh, you'll be subsidized." whoop te do, subsidy to give to a corporation.

we already have medicaid. we already have medicare. combine them, finance them something like social security, & call it done.

you don't even need 60 votes.

wtf is so hard?

[garybeck]

76. Bullshit.

what is meant by "You could pay half your salary to taxes to get "free" health care," ?

fisrt off, there is only one country in the world where the mean income tax is over 50%.

second, consider that MEAN means half the people pay less. Even in that country (Belgium) I am sure that people getting paid $9 per hour are not paying anywhere near 50% income tax.

I am so sick of people using the scare tactic that people in other countries like UK and Canada where there is a single payer system, that they so much higher taxes for it. BS. Perhaps their mean income tax rate is a *little* higher than ours, but the greater burden is on the rich.

http://en.wikipedia.org/wiki/File:Income_Taxes_By_Country.svg

[dflprincess]

13. 133% of the poverty level for a single person is only about $14,300.00

So the OP at (30 hours/week)*$9.00)* 52 would squeak under the limit

But be careful - even a raise of $0.25 an hour would put you over the limit.

[Leftist Agitator]

19. That's great to know.

I'd be trapped in my current shitty job because if I take a marginally better one (not that one is going to come along any time soon) I'd have to pay for insurance that I couldn't afford to use in the first place.

Somehow I don't see any employer paying me 25% more than I'm making now for the same work just so I could afford the premiums on an insurance policy that I couldn't afford to use because the deductible is so fucking high.

[dflprincess]

22. It's the American way

:sarcasm:

Just another way to discourage upward mobility in the country. It's bad enough that now we're afraid to change jobs because of insurance, now people will have to worry about earning more so they don't lose "coverage" and worse, wind up worse off because they're paying more out of pocket.

[BzaDem]

43. That's not true.

If you make 134% of poverty, you will be paying at most 2.8% of your income for health insurance (or about 30/month). Deductibles are both limited by regulation and most of them are paid for by the Government if you make around 134% (under the current plan).

The subsidies are a sliding scale (both for premiums and assistance for out of pocket deductibles). So just because you make 0.25 more won't mean you won't be able to afford health insurance. The sliding scale is what helps this.

[Political Heretic]

44. Welcome to the US system. This bill isn't the first thing that traps people like that.

Get SSI, lose food stamps, get partial disability so you can cover the loss of food stamps, lose SSI.... and on and on and on.

In the United States, the overclass is very worried about the "undeserving poor" - believing that we should never, ever, come anywhere near accidentally providing more than the absolute bare minimum assistance to people in need, lest the "undeserving" - this largely imagined mass of poor people who are poor only because they are lazy and wicked - get any benefits they don't deserve.

The result is that any time the government attempts to develop social investment programs (that's what social "welfare" progarms are - an investment into our society, to a healthier community built to be sustainable in the long run) there is a group of people who attempt to place so many restrictions and conditions on assistance that you end up with the bureaucratic mess we have today - a mess that penalizes poor people and often ensures that they stay trapped....

Don't make more money or lose key benefits that then throws you back into poverty, rinse and repeat.

[goodgd_yall]

67. So true

And this 150% poverty level bit is a joke. Try living on 150% in the bay area of California. It's unrealistic.

[Warren Stupidity]

10. $95 dollar fine.

What happens today if you get sick?

Your income is close to the FPL, which means that under this legislation you qualify for the subsidy. That subsidy starts at capping your costs at 2% of income at the FPL to 9.8% of income at 300% of FPL. You are close to the bottom, so lets say your cap is 3%. That would be 437.10/year, or 36.42 month. Plus the plan you would get at that rate would have to pass muster under the new guidlines and that means no 4,000 deductible.

Does that make sense now?

[Posteritatis]

11. The problem is that the OP can't even afford that $36.42/mo

So what should he have to go without to obey the law there?

[Leftist Agitator]

14. The OP can't afford the $60 / month that Comcast wants for internet...

So she and several neighbors share a connection with a wireless router. I pay 1/6 of the bill.

[glitch]

96. What an excellent idea! nt

[Leftist Agitator]

12. "What happens today if you get sick?"

I go to work, or else they fire me. My immune system does (or doesn't) do the rest.

"...that means no 4,000 deductible."

Oh, so only a $1000 deductible?

What exactly constitutes a "fair" deductible? Who decides? The millionaires in Congress? The insurance companies?

I'll tell you right now, anything over $200 or so dollars, and I'm forking over $36 or $251 or somewhere in between to a private company and I'm effectively getting nothing in return.

"Does that make sense now?"

Well, you did answer my specific concerns, but overall, it still makes no sense.

[cali]

18. I wish you had access to what I have

http://www.catamounthealth.org/catamount-health-information.html

There are a lot of VT programs that should be used as templates.

[Leftist Agitator]

48. After reading the info at that link I can honestly say: YE GODS! HOW I WISH I HAD ACCESS TO THAT!!!

Here's the cheapest WV plan that I've found.

http://apps.wvinsurance.gov/accesswv/

There may be a cheaper one, I really haven't looked that much, because they're all out of fiduciary reach for me anyway.

[cali]

53. yeah, I'm incredibly thankful that I have Catamount

It's really good.

[eridani]

64. How long will you have it if they allow states with shitty regulations to go nationwide?

Vermont gets busted down to Texas standards is what.

[Warren Stupidity]

71. I think the nationwide scam was evicted from the senate bill

however the corporatists can always sneak it back in when the bills are merged.

[eridani]

82. I thought the senate bill was the one where it was added n/t

[sandnsea]

81. Well yippee skippee it's your lucky fuckin' day!

Because "catamont" is subsidized private insurance, which is exactly what we're getting.

[sandnsea]

80. OMG, that is Subsidized Insurance

It's administered by two private insurance companies. It has co-pays and deductibles. It has premium assistance.

That IS WHAT WE'RE GETTING.

Jesus mother of god.

[stray cat]

15. Check the cutoff - I think the rest of us buy it for you

so we should be the ones complaining

[Leftist Agitator]

17. Indeed.

You should complain about having to subsidize me for insurance that I'd never be able to afford to use.

[stray cat]

16. Most of us don't like paying in to Medicare, SS or for Medicaid

[Leftist Agitator]

20. Very true, however...

You expect that when you pay into those programs that the recipients of those funds are going to experience a real benefit.

If you're subsidizing my costs associated with my enrollment in a plan with an outrageously high deductible that would effectively prevent me from seeking any kind of medical care, where's the benefit, to you, me, or society?

[haele]

25. I do - it means my brother and I don't live under a bridge to pay for my parent's wellbeing.

It means we can work and raise our own families while not having to worry about the previous generation. I'm one of two children, and my still active and "healthy" 73 year old Father would have died 15 years ago from a congenital heart problem he didn't know he had, that Medicare and Medicare Advantage have taken care of to the tune of going on $400K. It means he has the ability to pay his own co-pays, deductables and prescriptions - as little as they are compared to mine. It means he and Mom will have a life for at least another 10, perhaps 20 years(if not for accidents, murders, or suicides his family historically tends to live into their late 90's, early 100's)

And I have been around long enough to know that if Reagan hadn't opened the Social Security trust fund interest to as a spending account be used in the General Budget, we'd still have enough in there to cover my stepdaughter's and perhaps her children's before we had to start worrying about Social Security going broke.

Of course, lots of people out there who don't know my parents, or my in-laws(just as I don't know theirs) so it's hard to justify "their taxes going to my parent's health" - but for their information, I'd rather reciprocate and pay taxes to help their parents so there's not even more of a downward spiral leading to a short-term Dickensian distopia where "everyone's on their own" at the bottom and the top live in some gated Xanadu wishing that even more of us worker bees will kick-off and not be a burden on their personal safety and bottom line. In that reality, we all end up living as if we were in Somalia or Afghanistan as they are now, rather than the promise of what they could have been decades ago.

"Your On Your Own" always ends badly for everyone but sociopaths at the top - and even then, they get theirs (just not fast enough).

Haele

[Boudica the Lyoness]

33. Well said.

I find it chilling how selfish people can be. I'm all for paying taxes to keep the older generation happy and healthy.

[Le Taz Hot]

88. It's only right

since we paid for your grandparents & great-grandparents for 40 years and was happy to do it WITH THE PROMISE that, when we get of age, it would be available to us.

[Edweird]

26. Lastr time I checked Medicare, SS and Medicaid aren't what makes our

'health care' system barbaric and a laughingstock of the civilized world. It's the insurance companies. You know, the ones we are FORCED to buy from now. Please don't tell me that you think they are suddenly going to get a nicey nice now that we are their subjects.

[Jamastiene]

23. We are poor and have no insurance.

They want to solve that problem by making us buy insurance from their buddies. The "problem" in their mind is us, not poverty, not hideously low wages, not unemployment through the roof, not predatory lenders, not bombs, and certainly not their own inability to see how the other 99% lives.

The problem is US. WE are the ENEMY of our government. WE are the enemy of the "good Americans." We are THE BIGGEST problem facing America today. We are criminals who must be punished. We are bad people. We are losers, liberals, leftbaggers, loony left, freeloaders, worthless, inhuman garbage....
or at least that's what some of the proponents of this shit told some of us last night and early this morning here on DU.

I think they think we are supposed to just shit money and give it all to them. I'm not sure how the fuck they expect us to cough up what we don't have and don't have the resources to get. I guess they assume we can just COUGH it up because we are sick, sick people with nothing else to do except give them money for corporate welfare to their multinational non-taxpaying friends in the insurance industry.

But, By GOD, there's ALWAYS enough money for more bombs and rich ass CEOs.

[Leftist Agitator]

24. I don't get it either.

But remember, when you're a millionaire, your money earns you more money. If you have $1 million and you're getting a 4% return on your holdings, you're making $40k a year doing absolutely nothing.

Maybe they think that the $23.61 in my checking account does that too.

NEWSFLASH: It doesn't.

I really think that that's why these assholes are so out of touch. They're rich, they think that money just earns itself, and in their situation, they're absolutely right.

But for the rest of us in the real world who work for a living, not so much.

[Pisces]

30. I understand how you feel, but did you think you would get 100% coverage for free?

Free medical care was never on the table. I feel terrible for everyone(including my family) who can not afford medical coverage and just roll the dice. Don't know the solution but I do know "nothings for free"

[leftstreet]

45. 'Free medical coverage' is a rightwing talking point

The term you're looking for is 'taxpayer funded.'

[Jamastiene]

61. Actually, I didn't expect to be covered at all.

But I also didn't expect to be punished just for being poor.

[NMMNG]

47. I guess you're supposed to just die and decrease the surplus population

The Duggars will always be around to replenish the worker-bee coffers at any rate. :sarcasm:

[treestar]

57. Getting yourself all worked up without finding out about it first

Is not the way to go.
http://healthreform.kff.org/SubsidyCalculator.aspx

[DefenseLawyer]

34. Why do we think that super cheap, worthless policies won't be offered to "keep you legal"?

Just about everywhere where car insurance is mandated there are companies that offer the bare minimum coverage at a cheap rate. They don't even claim that it will act as insurance to protect against an accident only that it will "keep you legal". I would imagine this will happen with mandated health insurance as well, meaning that many of the people who become "insured" on paper will still essentially be uninsured if they ever actually have to use the insurance.

[cliffordu]

35. Bullshit - you'll get a subsidy.

[anarch]

46. or rather, the insurance company will

I don't know what to think anymore...I see the point that "something is better than nothing", but I still feel like I'm getting screwed with this whole deal, one way or another.

[cliffordu]

55. NOBODY knows how this is going to shake out, but you can read this:

http://www.democraticunderground.com/discuss/duboard.php?az=view_all&address=433x80261

[laughingliberal]

37. You're just being selfish. Sleeping indoors and eating when the insurance corporations need your

money. Why do you hate America?

Now, that we've had this little attitude adjustment I'm certain you will qualify for a subsidy which would put your part of the premium at around 3% of your income. But that would still be for a policy you can't afford to use due to the deductible. Pretty much what the people of MA are going through with their 'universal coverage.'

edited spelling

[Leftist Agitator]

50. You have elucidated the crux of my position with succinctity and snark.

+1.

Seriously though, why the fuck should I be in favor of this bill becoming law? It's going to do nothing but fuck over millions of the working poor in a major way. If Bush had tried to ram this bullshit through I would have been vehemently opposed to it. Why should I have a different opinion if a Democrat is the one who is trying to screw tens of millions of impoverished (or near so) Americans?

I'm not the kind of person who thinks it's A-OK to do reprehensible things as long as the guy fucking you over has a (D) next to his name on the jumping box...

[TorchTheWitch]

54. if Repubs tried to pass this exact shit EVERYONE here would freak out

The only reason anyone is going along with this and even praising it is because it's being put through by the Dems. That's a fact. Here, party loyalty trumps all.

[Skittles]

59. oh it's worse than that

the people here barking the loudest for this travesty are doing it because it's OBAMA

[girl gone mad]

65. I don't think that's the only reason.

Just saying.. there's probably some explanation as to why so many of them are in NJ...

[treestar]

56. This shows what it would cost:

http://healthreform.kff.org/SubsidyCalculator.aspx

[Leftist Agitator]

89. That calculator is interesting...

Yet nowhere is there a mention of what the limit on deductibles and/or coinsurance is set at.

What good is "coverage" if the deductible is so goddamned high that a poor person couldn't afford to actually get health care?

[Hydra]

91. I played with you calculator

It said I was probably going to have to pay $1000 extra a year...and we're already behind on everything from me being unemployed for 9 months. Assuming we do get back to zero, I can't pay that, and the more I get paid, the more I HAVE to pay.

Screw it. I'll go bare minimum working and go on assistance...oh, wait, that doesn't work either, because I have to basically have no income to qualify for that.

Talk about an awesome squeeze point.

[Kansas Wyatt]

62. You get a free rectal exam with a microscope to prove you cannot afford insurance.

Your friendly government looking out for your health.
:sarcasm:

[Jamastiene]

90. They want to make sure you are not hiding anything.

:evilgrin:

:hide:

[DailyGrind51]

84. Low income people are supposed to receive government subsidies.

[closeupready]

94. Don't worry about it - if you can't find the money, the IRS will garnish your wages.

So that'll make it easier for you. :) :sarcasm: