So, extremely long story short; my husband and I accumulated approximately $100,000 in medical debt in one week. First we welcomed kiddo number 2 in the world and 6 days later our other child broke her arm. We lived in a small town in no mans land Wyoming so life flight was involved and we had to go to Denver so she wouldn’t lose her arm. We had minimum coverage because it was all we could afford at that time. Minimum as is just enough to not get penalized at the end of the year. Full intentions to get on a payment plan but then life happened. Work slowed down for my husband and we were struggling to pay rent and put food on the table.
This last year we’ve been extremely blessed and my husband was able to get a better job and we are finally starting to get back on our feet. However, within the last two months we’ve been served twice due to these medical bills. I’ve tried calling debt consolidation groups, the collection agencies, and even the hospitals to set up some kind of payment plan and we’ve been denied or told that what I’m offering to pay isn’t enough. I’m at a loss. We’ve cut off every “extra” we have to pay these bills and it still isn’t enough. Now we’re being sued and I could cry everyday at the predicament we are in.
So, we are considering filing for bankruptcy but not sure how all of that works or if this is the right choice. I’ve contacted 3 different lawyers to get advice but I’m still not sure what to do. I guess my question is, has anyone faced this type of debt before and if so, how do did you go about it? Is there any other way at this point to avoid bankruptcy? Please be kind. I know we’ve made mistakes along the way but we are just a family trying to keep our heads above the water. I feel like I’m drowning already and everyday is truly a struggle. Any advice would be appreciated. Thank you.
Submitted January 31, 2018 at 11:53AM by MadreMamaMom http://ift.tt/2DOS90W
