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Old 04-01-2005, 10:33 AM   #1
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Question How many of you have had to file Bankruptcy do to your condition?

Hey all

This is a very personal question but I am curious as to how many of you have had to file bankruptcy, either Chapter 13 or Chapter 7, because of your condition.

When I had to quit work in Feb 2003 we thought we could get by. But with the loss of my husband's job and the decline in our household income things have spiraled so far out of control it's hideous. We had racked up a lot of credit card debt to help pay for medical treatments, meds, food, necessities, etc. We DID apply for Chapter 13 last year, but then backed out because the monthly payments for 5 years added up to way more than what we were in debt for. Our attorney didn't explain the details enough to us, we assumed the payments did NOT include our car payment. We were told to keep on paying for the car and our home. We didn't qualify for Chapter 7 at the time, cuz, my husband made too much money, and his truck was worth more than the personal asset amount allowed. We have "settled" with one company, that cost us over $5000, but we still owe a lot in cc debt, not to mention student loans, and state tax. My husband's last job did not take out state tax, so we usually use our federal refund to pay the tax, but we had to borrow from his 401K to help pay bills, but since he lost his job, he can't pay it back, so now it's got to be filed with our taxes as income. So we will owe tax on that amount.

Anyway, we are considering filing again because we just cannot keep up with our cc debt in addition to all the other financial obligations we have. I need over $1000 in dental work because so many of my teeth are cracked from clenching, I need physical therapy badly for my bursitis, and I just got a new script for special massage therapy (which my insurance will pay for some of) for my Fibro and CMP, but I can't afford to go. It's awful. I worry about it all the time. We just quit paying one cc company, now we are waiting for the bomb to drop from them. We don't even have the money to settle with them. Now, the one cc card company that we still have, that we use to help pay for things when we have no cash has changed companies and boost our interest rate to %29.9! That's why we quit paying the other company. After we filed for BR they closed our account, but when we backed out, we tried to work with them, but they simply raised our interest rate to %29.9! The last bill I got from them, our payment was over $300 with only $9 going to the principal. I was floored. I called them and told them there was no way we could ever pay them under those conditions. Of course they said they couldn't do anything about the interest rate, so they just kept adding late fees, and we quit paying them. We did call to offer to settle, but haven't heard anything. All of this is so ridiculous. One day we are going along fine, good income, paying our bills on time, then whamo! My condition worsens, I have more wrong with me now, and we have very little income, and we just can't pay our debtors. We can pay for our necessities, and we may have to surrender the car back to it's lien holder. So we are thinking of filing again for BR. I hate it, but our credit is already ruined from non payment and the previous filing. I know it stays on your record for 10 years but at least I know those next 10 years will be less stressful! I also have friends who filed for Chap 7 and still got a car loan. The interest rate was high, but they still got a car! That's what makes me so mad, the interest rate on our car that we bought for me, cuz I couldn't drive my truck any longer, was only %1.9!

I have a SSD hearing coming up and I don't think the judge will want to hear that I haven't even tried back surgery yet to see if it won't help my mobility. Will it matter to him that I can't afford it? Will it matter to him that I can't go to PT cuz I can't afford the session payments? What do I do? My doc won't fill out the PCE because he can't evaluate me for a whole day, so I can do like I did last time I appealed my first application, pay for a Physical Therapist to evaluate and test me for over 4 hours and pay over $300 AFTER insurance? I can't do that either! Which would probably help because I have so much more wrong with me this time, that kind of PCE (Physical Capacity Exam) would probably show my in ability to work.

Anyway, my question was about BR. Have any of you who can't work any longer and aren't on SSD (yet) had to resort to BR because you can't seem to pay all your bills? Our retirement fund is completely gone now. Granted, we are only 46 and 47 and we can hopefully build it back up. But I'm afraid that if I don't DO something to show the SSD Judge that I have tried to fix myself with either surgery or PT he'll deny me again.

So, I was just wondering. And as you can see, I'm a little frustrated and upset. I've already been told that surgery will most likely not be a total fix for my back, but I have so many other things wrong. I have recently been dx'd with CFS and Oral recurrring Herpes. That's fun information to share. I breakout constantly with sores on the sides of my mouth and sometimes inside my mouth. I am now on a medication that I have to take every day forever to keep me from breaking out.

I just hate having to apply for BR, and wondered if any of you had to resort to the same.


Please share your stories with me if you want to. It would help to know that I'm not alone.

Also, what do you think about the SSD judge seeing that I haven't had surgery yet on my back, because I can't afford it. My insurance cap is $2500 which doesn't count the PT I'll need afterward. I don't know when my hearing will be, but most likely soon, and I don't know if I tell the judge I plan to have surgery will just make it worse, then he'll deny me, waiting to see if my surgery is a sucess. I'm kinda stuck here! I doubt I have time to have surgery before my hearing. Maybe.

HELP! I need comfort! LOL


Thanks guys for any stories/advice you would like to share. I appreciate it.

tk

 
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Old 04-01-2005, 11:07 AM   #2
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Re: How many of you have had to file Bankruptcy do to your condition?

tk i just wanted to post real quick and will be back on later but we have had to file. we have had to sell so much stuff and try to come up with money to pay bills here and there.
i will be back later and will give you the full story.

your freind,
robin

 
Old 04-02-2005, 12:56 PM   #3
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Re: How many of you have had to file Bankruptcy do to your condition?

Hey tk, I have not had to file, but am so sorry for what you are going through. If I knew what you should do I would tell you, but I have some suggestions that might help(?). Do you know of any attorneys you might be able to ask(I thought I've seen ads on TV where you can call and get a free consult) what the best option would be for you? That might be a good place to start. Thing is, I know of a guy who was not only capable of working, but was and was making a lot of money...he racked up massive credit card debt(to the tune of $150,000 or a little more), re-did his whole house, bought all new furniture/clothes, etc. and on and on, and filed for bankruptcy. When he did he was in debt to the tune of $585,000. He got away scott free. It makes my blood boil when someone in chronic pain who legitimately has financial trouble has to worry so much about how they are going to make it and someone who has no physical problems with a good paying job can rack up so much debt in anticipation of filing and walk away. There has to be a way for you to do this without too much damage....there just has to be. You DESERVE a break here.....you truly do and i would think that judges that see cases like I mentioned would have to be sympathetic to cases that are legitimate like yours. If i can think of anything at all to help you I will post back, but in the mean time just know at least I am thinking of you and praying for you that things will work out...and i believe they will, it's just finding the right way to go about this. Please let us know how you are k? Your friend, Surge

 
Old 04-02-2005, 09:55 PM   #4
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Re: How many of you have had to file Bankruptcy do to your condition?

hello tk, its me again. well i did something that i wish i would not have had to do today and that was to go out of town for my little bros wedding. i am in so much pain right now. it was only 1 1/2 hrs to get there but all the standing and the party afterwards was at my grandmas house in her backyard. on the drive back i thought i was gonna die, now i can't even move. i guess i am happy that i got to see my brother get married though.
anyway about the bankruptcy thing, my husband and i had bought a house when i was 7mo. preg. w/ my daughter in 2002. after she was born my fibro seemed to have gotten worse then it was before i was preg. and when i went back to work after mat. leave i was in alot of pain. i ended up having to stop working due to how bad my back had gotten and also i had a nervous breakdown at work due to my post traumatic stress. thank goodness i was working at an internal med doc. he treated me and dx'd me.
well my husband tried to keep up with everything and has been so supportive with my health problem but things just really got out of hand and he could not keep up anymore. of course it was so much easier with both our incomes and thats how we were able to get the house in the first place and making the decision to stop working was a big one and my health of course came first.
we ended up having to file bankruptcy and we are slowing trying to get back on our feet. i just feel so bad sometimes because my husband has so much on his shoulders but still does not even make me feel bad for what i am going through.
i just keep praying that i get approved for disability before we lose everything. this condition has really been hard to deal with and my husband, kids, family especially my mother have really been there to support me mentally.
thanks for all your kind words tk and i hope you are having a good night.
robin

 
Old 04-21-2005, 07:00 PM   #5
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Re: How many of you have had to file Bankruptcy do to your condition?

Hi,

You are not alone. Believe me. I had to quit work in November of 2003. I had a spinal fusion January 2004. My disability has been denied and I have had to retain an attorney. I am still waiting on a date for a hearing. We had a series of unfortunate events happen to us also. We are now 33 and 35 years old. My husband had been working for the same lumber company for 16 years. He was the forman of the entire mill. He was making a crazy amount of money for someone his age and we were living like there was no tomorrow. We weren't worrying about saving for the future because he had a wonderful profit sharing plan and I had state benefits. We withdrew 30,000 dollars from his profit sharing when our 9 year old flooded 50 percent of our home. (Long story, don't want to get into it). We had to live in a hotel for a month while our home was being repaired. It took like 5 months for us to blow threw the money. But we figured "hey, no problem.... got years to rebuild that account" Well he got 3 days notice when his company closed!! It didn't take him long to find another job because of his experience but of course the pay was no where near what he was making. We ran our credit cards up tremendously. Well, a year and a half of working for the new company and things were going well. That is until I had to be added onto his insurance because I had to stop working. Well, with my medical bills, their insurance premiums skyrocketed because it was such a small company. I had been on his insurance 2 months when they fired him. We know it was because of the insurance but we couldn't afford to hire an attorney and figured the only thing they could do would be to get his job back and frankly it wasn't that great of a job to start with. He is now working for a wonderful company. He got a job at Tindall Corporation but he had to start at the bottom. This has been hard for him because he has been management for 18 years. We have not been able to make any of our credit card payments, we surrendured one of our vehicles because we couldn't afford to make 2 car payments. We used my retirement account money to settle with a couple credit card companies which in hindsite was a waste because there is no way we can settle with the rest so the ones we did settle with don't help our credit any. We went last year to file bankruptcy but then backed out because we honestly couldn't afford the attorney fees to go through with it. Basically we went from a 85,000 dollar a year income to about 30,000. That's a huge cut. We still can't even cover our monthly bills on this amount, and I am talking basics here. Our electric bill runs 350 a month. I have tried everything to reduce this amount because I feel it is way to high. I don't sleep at night because my stomach is always in knots thinking about this. My poor husband is working his butt off to try to cover everything. I can't afford to go to therapy or my specialists anymore. I am having to only go to my family doctor. He is great but I know I need to see specialists.

It's hard having to tell my children I can't afford to buy thier school pictures or give them money for book fairs or field trips or whatever. My children are used to having an endless supply of money and never being told no. I know that was probably the wrong thing to do and I created this monster but they just don't understand that we don't have any money. My son says just use your ATM card and go to the machine and get the money. He doesn't understand that there isn't anything to get. It just hurts not being able to provide for them. They went from full paid lunches at school to free lunch. They wont eat at school now because it embarrasses them. They don't want their friends to know they are on free lunch. I feel so guilty because if I could work it would help our situation so much. My doctor says how on earth do you think you are going to work when you spend most of the day in a fetal position? He is so angry with SSD.

My husband and I separated just so I could get food stamps to feed my children. We still love each other, but we love our children more. We had to do this to be able to put food on the table. It's crazy what we have to go through. My parents are making my mortgage payment so I wont lose my home. We only have 2 years left to pay for our home. We went with a 15 year mortgage when we bought our home because we were on the fast track. My father said there was no way he was going to let me lose my home when I only had 2 years left to pay for it. Our plan is to sell the home just as soon as it is paid for and rent something a little more economical. At least we won't be responsible for repairs when things go wrong. My father just put out 350 dollars last week to replace our storm door. We can't afford to put out that kind of money and I don't think its fair to expect my dad to do it. He jokes that I am just spending my inheritance now instead of when he's gone. He has gotten on the kick that he and my mom need to buy a place next to me so they can take care of me. They currently live about 30 miles from us and my mom doesn't really want to move. My mom and I have a very close relationship, I don't know anyone else that is that close to their mom. It's just that we both know that my dad living next door to me is not the best in the world because he is going to try to take over the responsibility of raising my children and we have completely different ideas in this area.

Ok, I have written a book here, but I just wanted to let you know that you are not alone. I think a lot of us chronic pain patients end up in this situation. Good luck to you.

God Bless,
Sherry
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Old 04-22-2005, 08:51 AM   #6
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Re: How many of you have had to file Bankruptcy do to your condition?

Hey TK, Been there and done that, ran credit cards up, took out second mortgage, ran them up again during the 2 years it took to win SS and had to go BK, Without my income and even with SS the second mortgage was still killing us so we sold the house because we couldn't get a decent rate to refinance.

Please take this advice very seriously. get a shrink to DX your depression, and anxiety, the psych stuff carries more weight than the physical. My friend just lost his hearing after a 2 year wait. He's 49, had a heart attack that destroyed 1/3 of his heart, has COPD, has emphazema, had a stroke during a cardiac cath, has diabetes and seizures from the stroke but the system believes physical problems can be overcome.

There will be an employment bean counter in the hearing that will tell the judge exactly how many one armed wall paper hangers are still working in your state and how many in the US. Physical problems are seen to be easily overcome, however the psych problems can't be. I now more people in person on SS for alcoholism and drug addiction/depression than I know who have had horrific health issues.

Go see a real shrink "MD" and tell him exactly how you feel, don't hold back anything. Otherwiwise you may very well loose. If you wait untill your 50 you would be aproved the first go round, but may not have the work credits to draw a dime. They see physical problems as something that can be overcome. I got the same letters explaining although I couldn't return to my previous work I could find meaningful employment, Their definition of meaningful employment was being able to earn 600 dollars a month. That was about 3 days pay at my last job.

It's a screwed up system where you can drink yourself into a check every month and have no chance of recovery due to statistical data that says you will relapse, You can crawl into bed and not come out for a year and win due to major depression, But if you loose both legs and one arm, you can still poke holes in a donut if your under 50.

You do have a lawyer right? They did take depositions from your docs and will from your shrink once your properly diagnosed with depression, all CP patients have depression, but my friend never saw a shrink, he was old school and didn't believe in them and it ha cost him years of no income. Now there is a 2 year wait for a panel hearing to apeal the judges decision. He has a new attorney that suggested he just wait untill he turns 50 next year and start over if he's not dead.
Good luck, but without the psych DX's you may not have a chance. With what I have seen I would even let them hospitalize me for depression for a week or two, even though it's a perfectly natural response to this situation.
Take care, Dave

 
Old 04-24-2005, 09:44 PM   #7
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Re: How many of you have had to file Bankruptcy do to your condition?

Hey Dave!

Thanks for your reply. It's nice to know that there are others who know what it's like to hang by a thread. I swear, I lost everything I had once before in my life, to the point where I had to live in my old Ford pick up for a few days, and to feel that way again is so frightening. Losing my insurance is a great fear of mine.

Thanks for reminding me about the Psyc visits. I have been to one a few times, but it's been a few months. There is a report in my file from a Psyc, but it's outdated and I have a new therapist now. So I'm going to call tomorrow and see if I can get a referal to the doc, just to get it in my file and possibly talk to him about some meds. I have been to see my new therapist twice and seeing the doc hasn't come up yet, but I'm usually not one to wait for an invitation! LOL So, I'll be doing that tomorrow. I do need to get an updated Psyc eval in my file for sure. I read my last eval and it was done right after my mother died and the Psyc mentioned I was missing my mother more than he mentioned the chronic pain I was in. So I think it's time to update it. Isn't it funny, how you speak with your docs and they say you are this or you are that, but when you ask for copies of the office notes, none of "this" or "that" is mentioned in the notes! LOL My old therapist dx'd me with major depression, but she is just the social therapist, the doc said I was missing my mother!

It's a shame it has to be so technical, and you are right about having no arms or legs, but become depressed and they pay all kinds of attention to that.

Right now our life is turned upside down, and I hate it! My hubby's job is ending soon and he's looking for another, but the uncertainty of all this is very upsetting for me. I am a planner, I like to know what's ahead of me, if I can. So you can imagine how all this is making me feel. I even considered going back to work myself, but I have absolutely no idea what I could possibly commit to. I hate waiting for SSD. I fear another denial, but I won't quit. I can't. It's just so hard. YOU know! Things are going along smoothly, life, job, insurance, 401K, etc. then WHAM! someone pulls your rug right out from under your feet while you are standing on it! And there you go, flipping through the air and landing on your face.

I never thought at the age of 46 I would be sitting here worried about SSD, worried about what kind of work my husband will get, if it will be enough to pay the bills, feeling guilty cuz I can't contribute to the household, wondering if I'll have to give my car back to GMAC, just wondering what's next, or what now? We have had only one car before, but we didn't live in the country then, and my husband worked offshore, so we did okay without two cars. Actually, it's only been since 1997 that we have been a two car family. I just don't like the idea of sitting out here in the middle of nowhere with no transportation, asking friends to take me to the doctor. It's funny, cuz, when I was a kid, from the time I was 12 years old until I was old enough to drive and buy my own car, we never had a car. My mother was a single mom since I was 12, she didn't drive, so we never had a car. We took the bus, walked, or took a cab. When I got older I hitchhiked all over. This was in the 70's. And when I turned 17 I had enough money to get my own car. That was when we had a car! I'll never forget it. It was a 1973 Gremlin! Remember those? It was such a piece of crap! It literally fell apart one part at a time. LOL

Well, Dave, I'm sure you don't want to hear about my problems, you have enough of your own. I DO hope you are doing well. I think about you and your family a lot. You are a nice man, Dave. Thanks for your reply and thanks for reminding me about seeing my Psyc. I hadn't even thought about updating my dx! I swear I'm doing all the work my lawyer should be thinking up!

Nice to talk with you again, my friend.
Have a good week and keep us posted as to how you are doing with your "beach erosion".

tk

 
Old 04-25-2005, 05:28 AM   #8
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Re: How many of you have had to file Bankruptcy do to your condition?

TK:
I just wanted to let you know that you are DEFINITELY NOT ALONE... Rectal Ca dx 1 1/2 years ago has made it IMPOSSIBLE for me to go back to work. I'm 32. Dx at 31. Luckily SSD (although denied the first time) approved me the second, but it's NOWHERE what I was used to making. Big lifestyle change. My wife is a stay at home mom, and to be honest, with my complications, I don't want her to get a job. I never know when will be an OK day (I can move around, or get out of the bathroom) (I suffer chronic dibilitating pain, have to cath to pee, fecal incontinence when I painfully dilate myself... they reattached so low and it keeps closing up, the chemo I went through, etc. It's incredible how many of us with health issues come this close to filing, or do file. And Bush is currently changing that leglislation to make it tougher on us. I suggest you FILE NOW. The bill is waiting on his desk, if not signed and waiting to go into effect. It's incredible. Collectors calling. I DON'T HAVE IT, NOW LEAVE ME ALONE!!!!! I let the little ones answer now and blow a whistle, or just talk to them! It's a hoot!

Good Luck!
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Old 04-25-2005, 11:36 AM   #9
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Re: How many of you have had to file Bankruptcy do to your condition?

Quote:
Originally Posted by CancerDad
TK:
I just wanted to let you know that you are DEFINITELY NOT ALONE... Rectal Ca dx 1 1/2 years ago has made it IMPOSSIBLE for me to go back to work. I'm 32. Dx at 31. Luckily SSD (although denied the first time) approved me the second, but it's NOWHERE what I was used to making. Big lifestyle change. My wife is a stay at home mom, and to be honest, with my complications, I don't want her to get a job. I never know when will be an OK day (I can move around, or get out of the bathroom) (I suffer chronic dibilitating pain, have to cath to pee, fecal incontinence when I painfully dilate myself... they reattached so low and it keeps closing up, the chemo I went through, etc. It's incredible how many of us with health issues come this close to filing, or do file. And Bush is currently changing that leglislation to make it tougher on us. I suggest you FILE NOW. The bill is waiting on his desk, if not signed and waiting to go into effect. It's incredible. Collectors calling. I DON'T HAVE IT, NOW LEAVE ME ALONE!!!!! I let the little ones answer now and blow a whistle, or just talk to them! It's a hoot!

Good Luck!
LOL, You're funny!
Hiya CancerDad! Nice to meet you. I am sorry about your cancer. Cancer runs crazy in my family. I have lost all my family memebers on my mom's side to cancer. All with different types of cancer. My grandma had bladder cancer, dying at the age of 58 in 1980, my uncle was next, brain cancer at the age of 49 dying in 2001, then my mother, lung cancer that metastized to her brain and bowels died at the age of 65 in 2003. During my mother's 6 month ordeal before she passed, my aunt develope Non-Hodgkin's Lymphoma (abdominal area) in July of 2003. She is in remission now, but she went through hell with that Chemo. But she is a survivor, the first in our family. Now my young cousin, 33, is experiencing some colarectal problems. She has endometriosis and it has attached to her rectum. She is on hormones now and that seems to be helping at least keep whatever is going on, at bay, but she possibly faces having part of her rectum removed. She and her husband have been trying to have children, they have embryos frozen, and have already had one failed invetro, but my cousin wants to try one more time, before she has her uterus removed and then deal with her rectal problems. So we are all hoping she does this soon before things progress to far for her. It's so frustrating to see your family go through all this. We are a very small family. Smaller now. Just me, my aunt, and her two daughters. I never knew my biological father. Raised by a wonderful step father who died in 1985. No brothers or sisters. I have one son, who lives in Maryland and is separated from his wife who lives with their son in Texas. I am in Alabama, so you see the wide circle of distance! LOL

I love your telephone story! I have taken the phone reciever and put it in my bird's cage before when a collecter called! Left it in there while my parrot was squaking away! LOL

Oh and we have applied for Chpt 7 already, and Pres. Bush has signed the bill, so we called our lawyer, as we haven't filed yet, and they said it goes into effect 6 months after signing. I am torn between Chpt 7 and Chpt 13 where you pay back your creditors, but I have been on websites and heard so many horror stories about Chpt 13. About the money you pay back suddenly changing, or the 5 year "plan" dragging on to 6 7 or 8 years cuz creditors keep wanting more money than orginally allocated by the court. You are in the court system longer with Chpt 13. However, we were told to pay around $500 monthly for 5 years and that would include our state tax and the car, sounds good, but, what if my husband doesn't find a new job, or loses yet another job, makes less money, what about my SSD? What if he makes more money? The courts will order larger payments. Sooooo....we are leaning to Chpt 7, fresh start. Keep the car, wipe out all the other debt. Funny, I do not have much medical debt right now. But will, as soon as I have surgery on my back, but will deal with that by using my Parrot's cage if I have to! LOL I can usually deal with the medical bills, it the CC debt that is relentless. Oh and with Chpt 7, we have to pay our state taxes now, but I'll deal with that also when time comes. Big thing is, and this is the BEST...it costs $900 to file Chpt 7! Now isn't that like an oxymoron or something? LOL You have no money, but you need major bucks to show you have no money! I had to break down and ask a good friend to borrow the money. Most humiliating moment of my life. But, we are good friends, and I would never allow money to come between us. She understands the situation and we love each other dearly. I'm lucky to have her. And as for the car, if it becomes apparent that my car, which we bought when things were good and I love my car!, if it becomes apparent that the car is becoming a burden, we will surrender it back. My husband has a 1998 GMC pick up that is paid for and we have been a one car family before and it's better than no car. I guess, it just comes down to, you gotta do what you gotta do, right? We survive. Especially us chronic pain sufferors, we become very innovative in survival tactics don't we?

Thanks for sharing your story with me. You are a brave soul. I will definately remember you when I "speak" with my "non physical" teachers, who guide me through life every single day.

Again, thank you for sharing.

Here's wishing you a good spirit,
tk

 
Old 04-25-2005, 11:26 PM   #10
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Re: How many of you have had to file Bankruptcy do to your condition?

Please explain to me about the different types of bankruptcy.

Also how much money does a person get on disability?

People tell me that SSD is only $600 a month. Is that true?

I live in California, and I cannot work. I have huge debts, I see no light at the end of the tunnel. I am so afraid! How can so little money (from SSD) even be enough?

I am getting some spousal support. It is not consistent and will probably stop soon. Do I even qualify for disability? I have chronic severe pain and I have PTSD due to the injuries which caused the pain. What do people do when they cannot work?

 
Old 04-26-2005, 01:53 PM   #11
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Re: How many of you have had to file Bankruptcy do to your condition?

Whoa.You've really been thru the wringer.I guess we all have to some degree.

My medical expenses weren't the only reason I filed for bankruptcy, but they were a big part. I did not want go the BR route either, but had no choice.

My Mom passed away in '98 and we found an attorney that was pretty honest. He did the estate for us and while Mom didn't leave a fortune, there was some assets.If you ever have to go thru this ( I was shocked to find my mom did not have a will) get settled in cause it takes forever.But what I'm getting to is that in'98, I was still pretty healthy, for the most part. The liver disease I had sometimes takes years to really get you sick enough to not be able to do everyday tasks.I had times where it got bad, but I managed to keep on working.Around January 2000, I took some money and made some substantial payments on some of my cards. I figured while I was working and making money that by paying them down some the minimum would drop some and I'd be able to pay more toward the principal.Good plan if had worked.Another thing is that when our lawyer saw how much debt I had he told me in no uncertain terms that I needed to file and get all that debt off me.But I wouldn't listen, went ahead and paid and sure enough Oct.2000, I got so sick I had to quit work.Now of course looking back I can see that he was right. But I think most of us want to avoid bankruptcy because we feel like it's wrong, that we are bad people if we do that.But when it comes to your health, getting meds, etc.,you have to look out for yourself.The credit card company will survive, and thrive probably.The ironic part is that it cost me $850 for the lawyer to do it.

In the ned, you just have to protect yourself. But if you do this, do it soon because there are rumblings in Congress to change eligibility.

As far as getting SSI, around my state it seems to be a toss-up.I got approved right away because when I went in to fill out the forms, I loked like death warmed over. My sister went with me and to kind of hang on to me, I was that weak.And also quite jaundice (yellow) at that point. But I've heard stories where given their circumstances I thought people would get approved and they didn't and had to start over.Hopefully, you'll have better luck.It's not all that much money from disablity, but it's better than nothing.I've managed so far, although it looks like I'm going to have to move soon.My house insurance went way up and along with other bills that just seems to get higher,I'm running in the red here.

Anyway good luck.

 
Old 04-27-2005, 04:45 PM   #12
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Truly HB User
Re: How many of you have had to file Bankruptcy do to your condition?

undefined
I just wanted to let you all know that we had to file for Chapter 13 because of medical bills and hardship. I have a degree with honors and I cannot work. I have tried. I will also fill in the details when I am up to the challenge. Doctors are still bleeding us dry! We have insurance as part of our Chapter 13 and it is still not enough. Food or meds?
Truly

 
Old 04-27-2005, 05:10 PM   #13
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Re: How many of you have had to file Bankruptcy do to your condition?

I am soooo sorry for what you're going through. It is only by the grace of God that I'm not right there with you.
My husband and I moved in August 2000. I had a great, and I mean great, job that I had to quit in order to join hubby. Anyway, I quit in October 2000. I figured I'd take a few months off and figure out what to do next. Well, I wish I hadn't. In January 2001, I fell, a very bad fall and since, have been unable to work. I tried in the summer of '03 but had to quit 9 days in because the pain was unbearable. I haven't even tried since. I'd rather wait than know I would have to quit again. Quitting has never been something I've done lightly.
Anyway, it is just by lucky breaks that I didn't have to file. I wish yo God's grace and blessings while things are so rough. Know that it will work out and we are all here for you!
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