Wednesday

What Your Therapist Hasn't Told You About Using Insurance

Hi, I'm glad you're here!

This post was written in 2010 and no longer reflects the state of managed care and mental health. 

I've decided to retire it.

Best!
Krysta

189 comments:

  1. Hey Krysta--

    Thanks for a well-informed article. I've recently been toying with the idea to withdraw from the insurance panels b/c of the headache and time suck.

    I feel bad doing this, as I've often said that people who have insurance for mental health benefits are not the cause--it's their managed care company.

    Then I had a thought of "well, it's not like they cannot go anywhere else for therapy."

    This day may come sooner than expected:).

    ReplyDelete
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  2. Hi Krysta,
    I am an MFT in Las Vegas who has never accepted insurance and I have been in practice for 9 years. I include info on my website about my reasons for not accepting insurance and how this benefits the client, but I am really impressed w/ how you write about it in this article. I am including a link to your article, credited to you, on my website - for additional reading for my clients.

    Wishing you all the best,
    Lourdes A Viado
    www.lviadotherapy.com

    ReplyDelete
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  3. Krysta,
    I find that several of your views reflect a failure to grasp how people are struggling in other parts of the country. I am also offended by your accusation that therapists will give appointment slots to full-pay clients over insurance clients, and your insinuation that if a therapist is worth her salt she does not have to accept insurance. I had a full psychotherapy practice in San Francisco for several years and was able to stay off insurance panels. However, when I relocated to the northeast corner of Connecticut, where the economy has not recovered from the 2008 debacle and many people are still losing their homes to foreclosure because they can't pay their bills, I discovered that it is impossible for a clinician to avoid accepting insurance. In order for people to obtain the therapy they need, they must use their insurance. Otherwise, they would have to go without. You may want to reconsider the position that you posit as the "absolute truth."

    ReplyDelete
    Replies
    1. Thank you for taking the time to comment. I appreciate your perspective. I urge you to re-read what I stated: "Those who are full with clients do not need to go through the headache of managed care. So they don't. The ones who are not full are more motivated to jump the hoops" I believe you illustrated that very clearly in your personal practice.

      Similarly, I am located near San Francisco, CA. I cannot speak for the rest of the country. My intent was never to speak for the "other parts of the country". I am not a national spokesfigure... only a local therapist in practice. ;) Obviously insurance, billing, and licensure issues are very state specific. It might be very informative for you to be able to offer your own blog post, specific to your region of Conn. as it sounds very different from here.

      For instance, what I see more and more often here is that insurance offers very little reimbursement for therapy (if at all) and so the hoop jumping does not garner much help for the client in the end. It's too bad really. Things are changing quickly these days though, so perhaps that will change too.

      Again, thanks for taking the time to comment and share your thoughts. I wish you well!

      Delete
  4. Wow! I read this and was completely dismayed and surprised by your recommendations and justifications. Speaking from a client perspective here, if I saw something like this on your website, I would RUN to find someone else, not because of the insurance complaints, but because of your utter lack of understanding of a patient's point of view. If you don't want to deal with the payments and hassle of insurance, don't accept it. Plain and simple. But to put this burden on clients or to suggest that they won't get quality care from someone who DOES take insurance is both egotistical and lacking in compassion...two qualities I wouldn't look for in a therapist. I would know this is all about the money, not about care. So why DID you decide to become a counselor in the first place?

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    Replies
    1. Thank you for taking the time to give feedback. I realize that my candor is not everyone's taste. Like I said, "I would want to know! I think you deserve to know!" But that doesn't mean I'm right for you.

      The good news is: I'm nobody! Just a therapist working in a private practice in a state that has a terrible managed care problem. I don't speak for the whole of therapist-dom. And that's good because maybe that means there are therapists who don't share my disillusionment. (I want to be them!)

      In any case, hopefully my tone in this article conveyed the great depth of my thought and care towards my clients and the managed-care-conundrum. It is heartbreaking!

      Delete
    2. I don't see why people would get upset at her for stating reality. That's all it is, really. Not her fault.

      Delete
  5. Hi Darcy,

    I read your article because I'm curious about how reimbursement is going for MFTs. (I will be deciding between an MSW and an MFT.) I appreciate your perspective. Thank you for taking the time to write the article and for leaving it up.

    Sincerely,
    Brigitta

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    Replies
    1. Good for you for taking the time to research before deciding between the MSW and MFT. And now, we have the LPCC added to the mix!

      As far as insurance reimbursement goes, I believe it's all the same for the moment. Of course, politics can always change that. In fact, if they had made the grandfathering easier I would have double licensed myself as an LPCC and MFT just to cover my bases. But alas, they decided on a large amount of education units that made it not feasible.

      Starting from scratch, you have a lot of interesting options ahead! Best of luck to you!

      Delete
  6. Hi Krysta,

    Thank you for taking the time to write about your perspective and share it. At one time, MFTs had a hard time with being covered for services; MSWs had it easier. I was just taking a look at that, as I will be deciding on my master's studies down the road.

    I'm glad you shared how the decision to accept & process insurance affected the quality of your life. Making a living, having time to be healthy, and having time to live a balanced life are very important. I, for one, would highly respect a therapist who is a model of self-care and doesn't try to be a martyr.

    BTW, you practice in my old stomping grounds - Roseville, CA. I've moved to colder climes in British Columbia, Canada. Roseville sunshine sure does sound inviting right now!

    Thanks again!
    BB

    ReplyDelete
    Replies
    1. Oh I hope you're staying warm! We have had plenty of sunshine to go around lately. I'm told it is too much- now we have a drought. But I sure do enjoy it.

      Good luck in your future studies! Thanks for the encouragement. :)

      Delete
  7. I love your candor. All therapists who are somewhat business savvy-think like this-you are just open to sharing it. I think you ARE compassionate to inform people how it all works so they can make the best decision. If someone doesn't like the truth about how the system really works and think that the better you get at your profession you should still make the same as someone starting out then-then probably don't have a true understanding of giving and taking AND business in general. Your perspective is refreshing. Love it.

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    Replies
    1. Thanks for your feedback LD. I appreciate the encouragement :)

      Delete
    2. Hi Krysta,

      I am a cash-only therapist in NC. Surely there are differences between my local area and yours, given my very different part of the country, but despite that there is so much you've said here that resonates with me! I have been called foolish, stupid, willfully blind, and many other things by others who have criticized my decision to not contract with insurance. I have been feeling very lonely and isolated in the local therapy community as a result. Most of my colleagues say of insurance, "it isn't hard, it just takes a few minutes" and yet these same colleagues continually complain of paperwork woes. Your viewpoint is immensely validating for me and I wanted to thank you for putting this article out there. It has helped me to feel much better about my slowly growing practice. I'm 25 and fresh out of school (graduated just one year ago), and being new I am of course making plenty of mistakes. That said, I have been adamantly against signing any contracts with managed care companies. It just feels bad to me and seems like a tactic that many other therapists do to ensure financial security. The problem is the huge and many costs associated with taking insurance. Like you, I only bill out of network insurance at this time. I just give my clients a receipt and instructions on how to send in their receipts.

      Thank you for encouraging me! This is just what I needed at this time.

      Delete
    3. Josh- I am so glad it was encouraging to you. I love hearing from those who are newer in the profession. I feel it is so important to encourage one another. :)

      Something that has worked exceptionally well for me- I pay for myclientsplus (online website) where I am able to submit insurance receipts electronically for free (the website is a flat monthly fee). All I do is make sure to note that my client paid me in full, and the insurer will reimburse the client any money that is owed them. This has been a good compromise for my clients who wish to receive insurance money. It makes it easier on them than submitting a paper insurance bill. And it works for me, because any discrepancies in payment become their responsibility to follow up.

      Plus, all my client info is available from any internet connection for me... so I can get phone numbers and addresses even from my home should I need them. Something to think about! Most of my clients don't bother billing insurance, but for the few who do still need to- this helps them not get overwhelmed by the process- and it's instant for me. I don't have to do any additional work really (other than initially putting in their insurance card info).

      Best wishes in your new practice! It is really amazing work!

      There must be some differences between states in this case- we can't bill insurance until licensed (usually takes 2-5 years post graduate education)... so I'm interested in your process and what that entails? It sounds different!

      Delete
  8. Krysta,

    Thanks for the wonderful recommendation on the myclientsplus. I will admit, the site looks very barebones and not the most "polished" or "attractive", but I am considering a 30-day free trial. I would love to list you as a referral person so that you get some credit for referring me.

    With regard to your question about insurance, let me clarify! I cannot bill insurance. However, I am an accepted Out of Network (OON) provider. I tell this to clients. I also explain that even if I had the choice, I would NOT bill insurance but will always, regardless, be happy to give a receipt for OON billing. The myclientsplus website seems like a nice tool I may have for doing this, but $19.95 is a steep fee for a simple service like this. I am still not sure!

    North Carolina does expedite the process for MFTs, though. We have a provisional license we can attain immediately upon graduation. I sat for (and passed with flying colors!) my national MFT exam 4 months before I graduated. Talk about things moving quickly :) I started in private practice right out of school and 9-10 months later I am seeing a decent sized caseload. That said, I could be far busier! I know it will come with time. I am already seeing generous amounts of word of mouth referrals, plus my efforts with Psychology Today and Google Ad Words Express.

    I would love to keep chatting - and I am DEFINITELY going to follow your blog, since we appear to think alike!

    ReplyDelete
    Replies
    1. Josh- Is it $19.95 for you? I'm fairly certain its $29.95 for me!

      Just to be clear- it's "bare bones" because only you see it- no clients. ;) So it's not attractive really. It does have some integrated calendar function and credit card billing etc... but I don't use those features. I tell you, the automated CMS-1500 forms are worth it to me. No printing or filling out. But maybe I'm paperwork averse.

      Interesting the process No. Carolina goes through. In CA, we must practice as interns (post graduation) for 3000 supervised hours and a minimum of 2 years before sitting for 2 different exams (which usually also take an additional year because of state board processing time). I'm a little jealous that you were able to be in your own practice so quickly! Wow- big difference!

      Delete
  9. I have some really mixed feelings about your posting and perhaps it's because I'm soon to graduate with my Psy.D not a masters and I know that they programs train clinicians differently but I doubt that would account for all of my dismay. Frankly, it's alarming to me because I have never (nor do I plan to) share my billing struggles with my clients. Although my work as a psychologist will be a "job", I chose this profession to help and support the positive growth of those I'm entrusted to support. I feel that by alerting them to billing challenges sends a message that I'm not there for them, I'm there for the money and this is not foundation I want to build rapport on.

    So while I think it's helpful to let clients know about the possibilities of how their information may be accessed, I have concerns that this post airs on the side of scaring people into paying quick and easy cash (which only benefits the clinician) and inaccurately states that a person can "pay for therapy up front, and submit your receipts for reimbursement. In the end you come out of pocket the same amount". I say this is inaccurate because anytime a person uses an out of network provider the reimbursement rate is ALWAYS lower than in network providers meaning that the client holds more of the burden.

    As, I said, I can see the benefit of "some" of the info you present here but I do not agree with the majority (or the tone)... And yes, I am also in the San Francisco bay area.

    ReplyDelete
    Replies
    1. Thanks for taking the time to comment. I certainly understand that there are many students (and clinicians) who do not chose to self-disclose with clients. And plenty who do not like the "business" of private practice, and would rather not discuss it. I know you are in good company. Perhaps a majority!

      Again, I know my candor is not to everyone's taste. And that's okay! I understand the concern. I gave this a lot of thought over the years as I have received plenty of feedback on it. Ultimately- I continue to keep it up because:

      It's something *I* would want as a consumer. So in essence (as many therapists) I seek to talk to the type of client I typically attract: a business- minded, independent, highly-educated consumer who doesn't want a hierarchical relationship with their therapist. Believe it or not, I have been thanked by clients for writing this post. And maybe even more to my pleasant surprise- I have been selected as a therapist by this post! That's always a cool experience.

      Like teachers, and mentors, and any service professional, therapists come in all stripes and colors. I really honor that your thoughts on this topic might not mirror my own.

      I also know this is a topic I changed my mind on... as I was in the business longer. I got tired of watching clients (who I cared deeply about) get screwed over by terrible billing practices and their insurer. I got tired of them (unknowingly) being labeled and having their confidentiality breached. I thought they deserved to know what was happening to them! This took time and experience for me to feel the way I do. Initially I started out feeling hell-bent on offering insurance-approved therapy. It wasn't until I saw what was happening to the clients that I got upset about it.

      Best wishes on your own process!

      Delete
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  37. I am very happy today with my family. My name is Rose Sarah living in USA, My husband left me for a good 3 years now, and i love him so much, i have been looking for a way to get him back since then. i have tried many options but he did not come back, until i met a friend that darted me to Dr.Jude a spell caster, who helped me to bring back my husband after 2 weeks. Me and my husband are living happily together today, That man is great, you can contact him via email liberationlovespell@gmail.com… Now i will advice any serious persons that found themselves in this kind of problem to contact him now a fast solution without stress.. He always hello, now i call him my father.contact him now he is always online email (liberationlovespell@gmail.com) or contact him on his whats app mobile line +2348034062173

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  38. My Dear friends online, My name is amanda bella And i live in USA, ohio, I have to give this miraculous testimony, which is so unbelievable until now. I had a problem with my Ex husband 2 years ago, which lead to our break up. I was not myself again, i felt so empty inside me, my love and financial situation became worst, until a close friend of mine told me about a spell caster who helped her in the same problem too his name is Doctor Jude. I email the spell caster and i told him my problem and i did what he asked of me, to cut the long story short. Before i knew what was happen, less than two days my husband gave me a call and told me that he was coming back to me i was so happy to have him back to me. The most interesting part of the story is that am pregnant. Thanks to Doctor jude for saving my marriage and for also saving others own too. Continue your good work, If you are interested to contact the great spell caster email address: liberationlovespell@gmail.com or contact him on whatsapp +2348034062173



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  39. My Dear friends online, My name is amanda bella And i live in USA, ohio, I have to give this miraculous testimony, which is so unbelievable until now. I had a problem with my Ex husband 2 years ago, which lead to our break up. I was not myself again, i felt so empty inside me, my love and financial situation became worst, until a close friend of mine told me about a spell caster who helped her in the same problem too his name is Doctor Jude. I email the spell caster and i told him my problem and i did what he asked of me, to cut the long story short. Before i knew what was happen, less than two days my husband gave me a call and told me that he was coming back to me i was so happy to have him back to me. The most interesting part of the story is that am pregnant. Thanks to Doctor jude for saving my marriage and for also saving others own too. Continue your good work, If you are interested to contact the great spell caster email address: liberationlovespell@gmail.com or contact him on whatsapp +2348034062173



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  42. I am very happy today with my family. My name is Rose Sarah living in USA, My husband left me for a good 3 years now, and i love him so much, i have been looking for a way to get him back since then. i have tried many options but he did not come back, until i met a friend that darted me to Dr.Jude a spell caster, who helped me to bring back my husband after 2 weeks. Me and my husband are living happily together today, That man is great, you can contact him via email liberationlovespell@gmail.com… Now i will advice any serious persons that found themselves in this kind of problem to contact him now a fast solution without stress.. He always hello, now i call him my father.contact him now he is always online email (liberationlovespell@gmail.com) or contact him on his whats app mobile line +2348034062173

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  43. I am very happy today with my family. My name is Rose Sarah living in USA, My husband left me for a good 3 years now, and i love him so much, i have been looking for a way to get him back since then. i have tried many options but he did not come back, until i met a friend that darted me to Dr.Jude a spell caster, who helped me to bring back my husband after 2 weeks. Me and my husband are living happily together today, That man is great, you can contact him via email liberationlovespell@gmail.com… Now i will advice any serious persons that found themselves in this kind of problem to contact him now a fast solution without stress.. He always hello, now i call him my father.contact him now he is always online email (liberationlovespell@gmail.com) or contact him on his whats app mobile line +2348034062173

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  44. I am very happy today with my family. My name is rose sarah living in USA, My husband left me for a good 3 years now, and i love him so much, i have been looking for a way to get him back since then. i have tried many options but he did not come back, until i met a friend that darted me to Dr.Jude a spell caster, who helped me to bring back my husband after 2 weeks. Me and my husband are living happily together today, That man is great, you can contact him via email liberationlovespell@gmail.com… Now i will advice any serious persons that found themselves in this kind of problem to contact him now a fast solution without steress.. He always hello, now i call him my father.contact him now he is always online email (liberationlovespell@gmail.com) or contact him on his whatsapp mobile line +2348034062173

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  45. My Dear friends online, My name is Amanda Bella And i live in USA, ohio, I have to give this miraculous testimony, which is so unbelievable until now. I had a problem with my Ex husband 2 years ago, which lead to our break up. I was not myself again, i felt so empty inside me, my love and financial situation became worst, until a close friend of mine told me about a spell caster who helped her in the same problem too his name is Doctor Jude. I email the spell caster and i told him my problem and i did what he asked of me, to cut the long story short. Before i knew what was happen, less than two days my husband gave me a call and told me that he was coming back to me i was so happy to have him back to me. The most interesting part of the story is that am pregnant. Thanks to Doctor Jude for saving my marriage and for also saving others own too. Continue your good work, If you are interested to contact the great spell caster email address: liberationlovespell@gmail.com or contact him on whats-app +2348034062173

    ReplyDelete


  46. My Dear friends online, My name is Amanda Bella And i live in USA, ohio, I have to give this miraculous testimony, which is so unbelievable until now. I had a problem with my Ex husband 2 years ago, which lead to our break up. I was not myself again, i felt so empty inside me, my love and financial situation became worst, until a close friend of mine told me about a spell caster who helped her in the same problem too his name is Doctor Jude. I email the spell caster and i told him my problem and i did what he asked of me, to cut the long story short. Before i knew what was happen, less than two days my husband gave me a call and told me that he was coming back to me i was so happy to have him back to me. The most interesting part of the story is that am pregnant. Thanks to Doctor Jude for saving my marriage and for also saving others own too. Continue your good work, If you are interested to contact the great spell caster email address: liberationlovespell@gmail.com or contact him on whats-app +2348034062173

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  62. i am Rose from UNITED STATES i was diagnosed with HIV/AIDS for over 12 years which made loose my job and my relationship with my fiance after he discovered that i was having HIV, he departed from me i tried all my best to make him stays with me, but neglected me until a friend of mine on Facebook from Singapore told me Great healer, who will restore my life back with his powerful healing spell, he sent me the email address to contact and i quickly contacted him, and he said my condition can solved, that he will treat the disease immediately only if i can accept trust him and accept his terms and condition, i Agreed because i was so much in need of help by all means, so i did all he want from me and surprisingly on Sunday last week He sent me a text, that i should hurry up to the hospital for a checkup, which i truly did, i confirm from my doctor that i am now ( HIV NEGATIVE) my eyes filled with tears and joy, crying heavily because truly the disease deprived me of many things from my life, This is a Miracle, Please do not en-devour to email drtebe2@gmail.com or whatsapp Dr Tebe on +2348140544262 for healings Thanks

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  63. i am Rose from UNITED STATES i was diagnosed with HIV/AIDS for over 12 years which made loose my job and my relationship with my fiance after he discovered that i was having HIV, he departed from me i tried all my best to make him stays with me, but neglected me until a friend of mine on Facebook from Singapore told me Great healer, who will restore my life back with his powerful healing spell, he sent me the email address to contact and i quickly contacted him, and he said my condition can solved, that he will treat the disease immediately only if i can accept trust him and accept his terms and condition, i Agreed because i was so much in need of help by all means, so i did all he want from me and surprisingly on Sunday last week He sent me a text, that i should hurry up to the hospital for a checkup, which i truly did, i confirm from my doctor that i am now ( HIV NEGATIVE) my eyes filled with tears and joy, crying heavily because truly the disease deprived me of many things from my life, This is a Miracle, Please do not en-devour to email drtebe2@gmail.com or whatsapp Dr Tebe on +2348140544262 for healings Thanks

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  64. i am Rose from UNITED STATES i was diagnosed with HIV/AIDS for over 12 years which made loose my job and my relationship with my fiance after he discovered that i was having HIV, he departed from me i tried all my best to make him stays with me, but neglected me until a friend of mine on Facebook from Singapore told me Great healer, who will restore my life back with his powerful healing spell, he sent me the email address to contact and i quickly contacted him, and he said my condition can solved, that he will treat the disease immediately only if i can accept trust him and accept his terms and condition, i Agreed because i was so much in need of help by all means, so i did all he want from me and surprisingly on Sunday last week He sent me a text, that i should hurry up to the hospital for a checkup, which i truly did, i confirm from my doctor that i am now ( HIV NEGATIVE) my eyes filled with tears and joy, crying heavily because truly the disease deprived me of many things from my life, This is a Miracle, Please do not en-devour to email drtebe2@gmail.com or whatsapp Dr Tebe on +2348140544262 for healings Thanks

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  67. I am very happy today with my family. My name is rose sarah living in USA, My husband left me for a good 3 years now, and i love him so much, i have been looking for a way to get him back since then. i have tried many options but he did not come back, until i met a friend that darted me to Dr.Jude a spell caster, who helped me to bring back my husband after 2 weeks. Me and my husband are living happily together today, That man is great, you can contact him via email liberationlovespell@gmail.com… Now i will advice any serious persons that found themselves in this kind of problem to contact him now a fast solution without steress.. He always hello, now i call him my father.contact him now he is always online email (liberationlovespell@gmail.com) or contact him on his whatsapp mobile line +2348034062173


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  124. TÉMOIGNAGE DE PRÊT SÉRIEUX ET RAPIDE DANS 24 H

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  125. TÉMOIGNAGE DE PRÊT SÉRIEUX ET RAPIDE DANS 24 H

    Voici son adresse e-mail : stephanetang.fr@gmail.com


    Bonjour je m’appelle Jahnaelle Even , je tiens à partager ce petit témoignage avec vous; c’est grâce à Mr Stéphane TANG que mon père a reçu un prêt de 35.000€ pour la fête de fin d'année et certains de ses collègues ont également reçu des prêts de cette monsieur sans aucune difficulté et en plus à un faible taux. Je vous conseille de ne plus vous tromper de personne si vous voulez effectivement faire une demande de prêt d’argent pour votre projet et tout autre. Je publie ce message parce que Mr Stéphane a fait du bien à mon père. . Alors je vous conseille de le contacter et il vous satisfaire pour tous les services que vous lui demanderez.

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  127. just want to share my experience with the entire world on how i got my ex lover back and saved my Relationship… I have been dating my boyfriend for 1 year and i have been living happily with my boyfriend until things started getting ugly with me and my husband that leads us to fights and arguments almost every time… it got worse at a point that my boyfriend wanted a broke up… I tried my best to make him change his mind & stay with me cause i loved him with all my heart and didn't want to loose my boyfriend but everything just didn't work out… He moved out of the house and still went ahead to boken up with me … I pleaded and tried everything but still nothing worked. The breakthrough came when my friend introduced me to this wonderful, great spell caster called Dr Sam, Who eventually helped me out… I have never been a fan of things like this but just decided to try it because I was desperate and left with no choice… He did the spell for me and things really work out as he promise and my boyfriend have a change of mind and come back home to stay with me and the kids. And promise never to hurt me again. we are living happily as it was with the help of Dr Sam. If you are in need of help you can contact Dr Sam via email okokakspellhome@gmail.com. You can also contact him through his mobile number +2349060421250

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  129. Good Day everyone, i am Edith Katty, i live in ireland,i want to give thanks and honor to Dr.Iyere for the great work he did for me, he brought my lover within 72 hours which i never thought it will ever come through in my life, but this great man Dr.Iyere proved to me that powers can do wonders, i got his contact from a friend in the ireland who he helped,this friend of mine told me that this man is great but i felt as hmm are you sure? because i hardly believe those kind of things,so he told me not to worry that when i contact him, that he is guaranteeing me 100% that my lover will come back,  but if it does not work that he will be the one to give me back my money, to show his sincerity to me, he gave me his house documents, that if it does not work and he did not pay me the money that i spent, that i should collect his house and he gave me all the documents, i was so so surprised he was so serious about it, so that was how i
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  130. am here to give my testimony about Dr latifah who helped me.. i want to inform the public how i was cured from (HERPES SIMPLEX VIRUS) by salami, i visited different hospital but they gave me list of drugs like Famvir, Zovirax, and Valtrex which is very expensive to treat the symptoms and never cured me. I was browsing through the Internet searching for remedy on HERPES and i saw comment of people talking about how Dr latifah cured them. when i contacted her she gave me hope and send a Herbal medicine to me that i took for just 2 weeks and it seriously worked for me, my HERPES result came out negative. I am so happy as i am sharing this testimony. My advice to you all who thinks that there is no cure for herpes that is Not true just contact her and get cure from Dr maam healing herbal cure of all kinds of sickness you may have like
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    ReplyDelete
  131. am here to give my testimony about Dr latifah who helped me.. i want to inform the public how i was cured from (HERPES SIMPLEX VIRUS) by salami, i visited different hospital but they gave me list of drugs like Famvir, Zovirax, and Valtrex which is very expensive to treat the symptoms and never cured me. I was browsing through the Internet searching for remedy on HERPES and i saw comment of people talking about how Dr latifah cured them. when i contacted her she gave me hope and send a Herbal medicine to me that i took for just 2 weeks and it seriously worked for me, my HERPES result came out negative. I am so happy as i am sharing this testimony. My advice to you all who thinks that there is no cure for herpes that is Not true just contact her and get cure from Dr maam healing herbal cure of all kinds of sickness you may have like
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  133. I want to share a testimony of how Dr LATIFAH herbal mixture cream saves me from shame and disgrace, my penis was a big problem to me as the size was really so embarrassing,and i was also having weak erection problem. I can't make love to my wife and my penis was just too small a full grown man like me having 4 inches penis and to worsen it i don't last in sex i cant even last two minutes it was really a thing of shame to me. My wife was really tired of me because my sex life was very poor,she never enjoyed sex,i was always thinking and searching for solutions everywhere until when i saw a testimony of how Dr.latifah herbal mixture cream have been helping people regarding their sex life, so i decided to give him a try and to my greatest surprise in less than one week of taking the herbs my penis grow to 8 inches i couldn't believe my eyes and as i speak now my penis is now 8 inches and i do not have week erection again. I can make love to my wife longer in bed. And my marriage is now stable,my wife now enjoy me very well in bed. can contact maamtifah@gmail.com or call or what-apps him through +27785167256. . .he also specialize on the following things

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  135. HOW DR SUNNY HELP ME TO FIX MY BROKEN MARRIAGE WITHIN 40 HOURS.
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  136. I’m so excited because my broken marriage has been restored & my husband is back after he left me and our 2 kids for another woman. After 8 years of marriage, me and my husband has been into one quarrel or the other until he finally left me and moved to California to be with another woman. i felt my life was over and my kids thought they would never see their father again. i tried to be strong just for the kids but i could not control the pains that torments my heart, my heart was filled with sorrows and pains because i was really in love with my husband. Every day and night i think of him and always wish he would come back to me, I was really upset and i needed help, so i searched for help online and I came across a website that suggested that DR.Osasu can help get ex back fast. So, I felt I should give him a try. I contacted him and he told me what to do and i did it then he did a (Love spell) for me. 28 hours later, my husband really called me and told me that he miss me and the kids so much, So Amazing!! So that was how he came back that same day,with lots of love and joy,and he apologized for his mistake,and for the pain he caused me and the kids. Then from that day,our Marriage was now stronger than how it were before,All thanks to DR.Osasu . he is so powerful and i decided to share my story on the internet that DR.Osasu real and powerful spell caster who i will always pray to live long to help his children in the time of trouble, if you are here and you need your Ex back or your husband moved to another woman, do not cry anymore, contact this powerful spell caster now. Here’s his contact: Email him at:Account:
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  140. Thank you so much Dr Ilekhojie! I am so shocked with your great spell result. The love spell you did for me started to manifest immediately My husband is back to me now with so much love and happiness. He was remorseful for his act, and promised to stay with me forever. I have never had so much Joy! Dr Ilekhojie your spells are the greatest! Words cant thank you enough."” Need Help?

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  150. OMG!! This is certainly a shocking and a genuine Testimony..I visited a forum here on the internet  I WEEK AGO, And I saw a marvelous testimony of this powerful and great spell caster called
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  152. LEGIT COMPANY WERE YOU CAN GET BLANK ATM CARD. I was searching for loan to sort out my bills & debts, then i saw comments about Blank ATM Card that can be hacked and withdraw money from any ATM machines around you anywhere in the world . I doubted thus but decided to give it a try by contacting united blank ATM hack card they responded with their guidelines on how the card works. I was assured that the card can withdraw $5,000 instant per day & was credited with $20,000 so i requested for one & paid the delivery fee to obtain the card, after 72 hours later, i was shock to see the Courier agent in my resident with a parcel {card} i signed and went back inside and confirmed the card work's after the agent left. This is no doubts because i have the card & has made used of the card. Contact these email if you wants to get rich with this. globalatmcardhackingservice@gmail.com

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  154. I got my already programmed and blank ATM card to withdraw the maximum of $100,000 MONTHLY for a maximum of 12 MONTHS. I am so happy about this because i got mine last week and I have used it to get $400,000 already. (perrythomas827@gmail.com) is giving out the card just to help the poor and needy though it is illegal but it is something nice and he is not like other scam pretending to have the blank ATM cards. And no one gets caught when using the card. Get yours from THOMAS PERRY Hackerz today! Just send an email to (perrythomas827@gmail.com)

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  156. I read a lot about spyexpert0@gmail.com how this hacker helped a lot of student turn there bad school grades to an excellent grade so I decided to try my luck and behold I got the best from spyexpert0@gmail.com I never expected the results to be so wonderful but am grateful

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  158. Never get carried away by love because most times love comes with lies that is why before I get myself involved with any man I make sure I get in contact with verifiedprohackers@gmail.com to monitor the man cell phone with the help of verifiedprohackers@gmail.com to know my faith before any kind of relationship.

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  159. INSTEAD OF BITCOIN INVESTMENT SCAM WHY DON'T YOU CONTACT MR OSCAR FOR A REAL BLANK ATM CARD
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  160. https://www.google.com/url?sa=t&source=web&rct=j&url=https://tarek.kakhia.org/books_eng/Sugar_Substitutes.Tarek_Kakhia.pdf&ved=2ahUKEwjK4putrMzxAhUHy4UKHVwqC7k4jAEQFjAFegQIBhAC&usg=AOvVaw1aR1u_BcFocCy1d-2axYDn

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  161. Good news!!! Good news!!!,
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    ReplyDelete
  162. I have direct providers of Fresh Cut BG, SBLC which are specifically for lease. Our bank instrument can be engaged in PPP Trading, Discounting, Signature Project(s) such as Aviation, Agriculture, Petroleum, Telecommunication, Construction of Dams, Bridges , Real Estate and all kind of projects.



    If you have need for corporate loans, International project funding, etc. or if you have a client that requires funding for his project or business, We are also affiliated with lenders who specialize on funding against financial instruments, such as BG, SBLC, POF ,we fund 100% of the face value of the financial instrument.



    Management.

    David Pedretti

    Email: davidpedretti42@gmail.com









    #BG #SBLC #FINANCIALSERVICE #FINANCE #REALESTATE #OILANDGAS #CONSULTANTS #PROJECTFINANCE #MANAGEMENT #BANKINGINSTRUMENT #petroleum #bank #energyindustry #energy #offshore #oil #gas #funding #business #startups #investment #funds #investors #investments #venturecapital #projects #aviation #trading #construction #project #investing #projectmanagement #projectmanager #uae #dubai #malaysia #agriculture #middleeast #mining

    ReplyDelete
  163. ANNE HARVEY
    Whatsapp (753)716 9499



    Dear Sir/Ma,

    We are project funder as well as financial lender. We have BG/SBLC specifically for BUY/LEASE at a leasing price of 4%+2% of face value Issuance by HSBC London and many other 25 top AA rated Bank in Europe, Middle East or USA. We also secure funding. Also We are into the provision of short term and long term business/personal loans for both small and large scale business funds.

    * FOR LEASING OF BG/SBLC
    MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M
    LEASING FEE = 4%+2%

    * FOR PURCHASE OF FRESH CUT BG/SBLC
    PRICE = 32%+2%
    MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M

    Intermediaries/Consultants/Brokers are welcome to bring their clients and are 100% protected. In complete confidence, we will work together for the benefits of all parties involved.

    ANNE HARVEY
    E-mail :applegreeenltd@gmail.com
    Skype id :applegreeenltd@gmail.com
    whatsapp :+447537169499

    ReplyDelete
  164. I want to say thanks to this great man called Dr. Osasu who helped me in my marriage life. my name is Lilette Griffin lives in USA, So I was married to Albert we both love and like each other before our marriage, he care about my well being so i was so happy that i have found a man like this in my life my parents love him so much because of his kindness towards me and the way he care about me after four years in my marriage, no child he was not showing me much care anymore but i notice something is going on which i no. then i keep on with the relationship and i was hoping one day God will open my way to have a child in my home then i keep on going to church from one play to another by telling all the pastors about my problems that i don't have a child so many of them promise me that soon i we have a child in my home i keep on hoping in God's miracle on till one day when i went for a visit in my friend office then i was welcome by my friend we started dis causing about so many things on marriage life i was so shock she ask me about my wedding and what is going on till now i still don't have a child then i told her my dear sister i don't no what to do anymore and am scared of loosing my husband who have be caring for me for a long time now then she said i we not loosing him i ask how? then she said there is one man called Dr. Osasu who help in a relationship then i keep on asking how about him she told me this man can do all thing and make things possible i never believe her for once that this man she is talking about can do it so fast. also i ask her how do i get his contact she said i should not worry my self then she gave me his contact email ID and his number to contact him i said ok i will try my best to do so she wish me the best of luck in life then i went home gotten home, found that my door is open i was scared thinking so many things i don't no who is in my house now i look at the key in my hand i was thinking i did not lock my door shortly a word came into my mind that i should go inside and check if there is any body at home or my husband getting inside, i found that my husband move away his things in the house then i started calling his number refuses to pick i was like a mad Dog i cried and cried don't no what to do then i remember to that a friend of mine gave me a contact today i take my computer i emailed this man called Dr. Osasu also i called him on his cell phone which i received from my friend he spoke to me very well and i was happy my husband we come back to me so after the work was well done by Dr. Osasu, just in three days i heard my phone ringing not knowing it was my husband telling me his sorry about what he did to me then i accepted him again a month later, i was pregnant for him so i rest my testimony till i deliver safely i we give the best testimony again so my sisters and brothers if you are in such pain kindly contact this great man with this email drosasu25@gmail.com OR WhatsApp +2347064365391

    ReplyDelete
  165. ALGECO GLOBAL FINANCE PLC is a group of company with funding experts and mandate to a finance and investment Company who is a premier provider of trade finance and project finance instruments as well as discountable bank instruments.

    We offer Genuine Bank Guarantees, Standby Letter of Credit, Pre Advice / RWA Messages, Documentary Letters of Credit, Bank Draft, Proof of Funds, Performance Bond, Medium Term Notes, and various SWIFT messaging services on lease and sale. We issue these instruments from prime banks, secondary banks, and financial institutions; and transmit SWIFT MT 760, MT 799 and other messages on behalf of our clients.

    We offer certifiable and verifiable bank instruments via Swift Transmission from a genuine provider capable of taking up time bound transactions. Kindly contact for genuine inquiries and I can provide you with the needed information.


    DESCRIPTION OF INSTRUMENT:

    (1) Instrument: Bank Guarantee {BG} /StandBy Letter of Credit.{SBLC} (Appendix A).

    (2) Total Face Value: Eur/USD 1M{Minimum} to Eur/USD 10B{Maximum}.

    (3) Issuing Bank: HSBC Bank London, Credit Suisse and Deutsche Bank Frankfurt.

    (4) Age: One Year and One Day.

    (5) Leasing Price: 4% of Face Value plus 2% commission.

    (6) Delivery: bank to bank SWIFT MT-799 and/or MT-760.

    (7) Payment: MT103 (TT/WT).

    (8) Hard Copy: Bonded Courier Service.

    (9) Purchasing PRICE = 32% 2%


    RWA ready to close leasing with any interested client in few banking days
    We will be glad to share our working procedures with you upon request to help us proceed towards closing deals effectively.



    Contact us for more financial services inquiry from our details.

    Name :Cummins Diarmuid
    Email: info.algecogfplc@gmail.com
    Skype ID:info.algecogfplc@gmail.com

    ReplyDelete
  166. BARNESHACK Intel are Professionals, that gets your work done in less than 24 hours.
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  167. Testimony On How My Life was Transform through the help of a God-sent Lender..

    Hello everyone, I am Lucia by name, am writing this Testimony because am really grateful for what Mrs Vera blinks did for me and my family, when I thought there was no hope he came and make my family feel alive again by lending us loan at a very low interest rate of 2%. Well I have been searching for a loan to settle my debts for the past three months all I met scammed and took my money until I finally met a God sent Lender. I never thought that there are still genuine loan lenders on the internet but to my greatest surprise i got my loan without wasting much time so if you are out there looking for a loan of any amount i would advise you to email Mrs Vera via email: { verafinancialcompany@gmail.com }

    ReplyDelete
  168. Are you an individual businessman or a business organisation that wishes to expand in business ??, we offer financial instrument such as BGs, SBLCs,MTNs, LCs, CDs and others on lease and sales at a rate of 4%+2% of the face value and reasonable condition from a genuine provider. You are at liberty to engage our leased facilities into trade programs as well as in signatory project(s) such as Aviation, Agriculture, Petroleum, Telecommunication and any other project(s) etc.

    Contact : Mr. Richard Chadwich
    Contact Email: ribellodasilver01.finance@gmail.com
    Whatsapp # : +380 50 591 6795


    With our financial/bank instrument you can establish line of credit with your bank and/or secure loan for your projects in which our bank instrument will serve collateral in your bank to fund your project.

    We deliver with time and precision as set forth in the agreement. Our terms and Conditions are reasonable and we work directly with issuing bank lease providers, this instrument can be monetized on your behalf for upto 100% funding. Intermediaries/Consultants/Brokers are welcome to bring their clients and are 100% protected. In complete confidence, we will work together for the benefits of all parties involved.

    All relevant business information will be provided upon request.

    BROKERS ARE WELCOME & 100% PROTECTED!!!

    If Interested kindly contact me via

    Email:~ ribellodasilver01.finance@gmail.com

    serious enquiry only.

    ReplyDelete
  169. Bonjour,

    En 2016 mon conjoint a contractée un prêt qu »il n’a jamais rembourser.

    A ce jour, la maison de crédit la contacter pour le remboursement hors il est sans ressources.

    Est-ce que la maison de crédit a le droit de lui réclamer 15 ans après la souscription?

    Dieu merci nous avons contacté rapidement Mme SYLVIENE MARIE TRULES et elle nous a mis à notre disposition des conseillers digitaux pour notre demande de prêt en ligne sans protocole. voici leur Email: sylvienetrules@gmail.com

    Merci

    ReplyDelete

Thank you for taking the time to comment. Please note that this (being the internet) is not a confidential or secure way to contact me. If you wish to speak with me privately, please call me at 916-270-7413 or visit my site www.CounselingInRoseville.com