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A claim is not free even when it is paid. The question is whether the payment exceeds what filing costs across the next several renewals.
Continue reading Is This Claim Worth Filing, or Cheaper to Pay Yourself and Forget?
A funeral bill is a stack of separate decisions, not one price. Here is how to tell the required line from the four that are yours to accept or refuse.
Continue reading Reading a Funeral Bill Line by Line, and Which Five Lines You Can Actually Decline
The mechanics of finding somebody have changed almost completely in twenty years. The part that decides whether the hire works has not moved at all.
Continue reading Twenty Years Between Two First Hires: What Changed and What Refused To
The first week of arranging a funeral runs in a fixed order, and at each step a specific disclosure is owed to you before money is committed.
A complaint lands in a queue in front of somebody with a script and limited authority. Knowing what that person can and cannot do changes how you write it.
Continue reading The Queue Behind the Contact Form: What Happens to a Complaint After You Send It
The offer refused in month two is often better than the outcome reached in month fourteen, once somebody counts what the intervening year actually took out of them.
Continue reading Most People Settle a Dispute Far Too Late, and the Reason Is Rarely the Money