I have bad hypochondria. I developed this 3 years ago and it’s pretty bad. I’m constantly fearing that I will catch some disease and die or that I will move my body or eat wrong and choke to death or break an internal organ. Most of my fear is of having a heart related problem. I don’t go out anymore and I stay inside so that nothing bad happens, like getting in a car accident. If someone mentions an accident or death of a loved one it makes me both sad and very scared and I have a panic attack. I spend hours looking up symptoms online and I now have to file bankruptcy because of medical bills for doctors visits for minor illnesses when I didn’t have any health insurance. I want to go teach english abroad for a year but I don’t know how I can when I can’t even barely leave the house outside of work. I’m afraid I’ll get ill and die in a foreign country.
I have been married for awhile now but I wouldn’t say that I was happy. My wife constantly takes everything out on me. I find myself being more happy when she is away. I just got out of the hospital, while she was out of town, and rather than spend a night with my wonderful family…I get attitude about how I need to find a better job and she is sick of being the one to carry benefits. Could I do better…probably. However, with the job situation today…my job is 100% secure and I do make about 45K a year. So, not the poor house either.
If I leave her, I will be without health insurance since my company is too small to provide me with such and I have a chronic health condition. It would also probably mean bankruptcy due to the house. We also have a small child that loves it when we are together. My religion and views that I have held so strongly would dictate that I could not remarry without being outcast from my family and friends that I have known for over 20 years. My wife says she wants more of a physical relationship but it is hard for me to want to be physical with her when she puts me down so often. My wife plays the "good wife" when needed but a few times she has slipped up and said something with my family in the next room. They have asked me about it and I have assured them that it was an isolated event but it wasn’t.
I strong part of me doesn’t want to go but I don’t know if any alternative is better.
In a week I will be done paying my att. fees and will be able to actually file for bankruptcy. I am not unemployeed, but have been out on sick leave. My last paycheck was collected on 8/11/06 and this was a check for cashing out my sick time and all of my current and future vacation time. My Dr. has sent in the proper documentation required by my employer to excuse my absence. I am currently excused through the end of this year, but I will need to go in to be reevaluated to see if I should return to work. I have applied for LTD since I am eligible, but I had to wait to until the ‘waiting period’ was over. It so happens that the paperwork for my LTD is now being processed at the same time when I will file for bankruptcy and I do not know if the LTD papers will be done in time or if my claim will be accepted. With me not working and this LTD claim status unknown, how will this affect my filing? Is it possible I may still have to file a Ch.13? My att. has not yet replied to this. ADVICE??
My LTD would be provided through my employer. If approved it would provide me with some income and allow me to keep my health insurance. If I am denied I will continue to go on with no insurance and I will not know how long it will be before (or if) I am able to return to work for the company of which I am currently employed. I am not physically disabled or injured. I will be happy to answer any questions if it will help to clarify/answer my bankruptcy concerns. PLEASE — SERIOUS RESPONSES ONLY!!! Thank You!!!
What do you do to fix your life when you’ve had to file bankruptcy, a teen turns to heroine and steals everything (but is 26 now-living away)– too little too late now – all gone, you lose your home after cancer, you’re working very hard, you owe a lot of money to a lot of people, your cars keep breaking down, you owe the IRS, you have no health insurance, you lose your job (lay-off) and can’t pay car insurance, car insurance lapses and then you can’t get new insurance because it costs MORE because you "let it" lapse, you can’t get ahead because bad bad things keep happening – for years and years and years (not a new thing), you are feeling helpless and hopeless. There’s no help out there because of course you "make too much money" for assistance. No family to help (you don’t want to take from anyone anyway) and you are afraid to wake up every morning? Plus you have a wonderful teen who deserves the WORLD and he’s gone without for many years himself because of everything?
Added after reading answers
1. I am a female
2. I am not the drug addict – my son was. There was a lot of advice about 12 step programs and don’t do drugs. THAT ISN’T MY PROBLEM. I’m NOT asking because I’m feeling sorry for myself. I’m explaining HOW THINGS GOT BAD and wondering how I can get out is all. "Twiddle your thumbs and feel bad for those without thumbs?" First of all, I’ve been one to give my last dollar to a hungry man on a street. The answers I was looking for were some positive real answers from possibly someone with background in this type of thing. I’m looking for real answers – not for you to feel sorry for me. The praying part IS A GOOD ANSWER – and hearing others stories help too (thank you). But the rest of you, if you are going to answer the question, read the question.
It’s really bad, and it’s not from me being irresponsible. But I was diagnosed with a heart condition when I was 20, and didn’t have health insurance. I was hospitalized a lot, and raked up some health bills. And yea, I will admit….after my credit was already tarnished and I knew I would have to file bankruptcy, I started to not care anymore. I have about 30 thousand dollars in bad credit…and I dont know where to start. Is bankruptcy the only option I have? My husband is army and I am a stay at home mom…although I will start working again once he deploys. Anybody have any advice for me…or any numbers I can call?
My husband and I both need to file I’m afraid. We live in Michigan where the economy, as reported, is the worst in the country. I have a job I love but my company is on a pay-increase freeze right now, otherwise I’d be making about more an hour. My husband lost a really good job in September of 2007 and did not receive unemployment. He finally was able to get a job in Jan of 2009 but it pays less an hour than his old job.
Anyway, when he lost his job we had to make do the best we could and decided that if we couldn’t afford to pay something, let the credit cards go so that we can keep our home. Now it’s been 2 years and the economy SUCKS. We would both like to get 2nd jobs to pay off our credit card debt but we are lucky to both have jobs at all! The unemployment rate here is over 15% ! Anyway, he talked to a lawyer a few months back about himself filing bankruptcy without me because I was able to make some credit card payments of mine still. Now because of the rise in my health insurance premiums I cannot afford any of my credit card payments. How do we file bankruptcy jointly on only our credit cards as we can afford and do not want to lose our house and car?
I have a k car note debt on its way to an attorney for a court hearing in the near future. I haven’t been subpoenaed yet. I have k in medical bills getting the run around from my health insurance and another -k that hasn’t even been filed yet by the doctor but may also be denied.
I can’t afford to have a court garnish my wages a single cent for the car note but can’t file for bankruptcy protection just yet because I’m waiting on the insurance company to either pay or deny. Until then, I won’t get a bill to put on my bankruptcy forms. Also, the other doctors haven’t filed their claims yet. They have up to six months to file a claim and it’s only been 30 days since my surgery.
Bottom line: it would be a waste to file bankruptcy right now over 11k when I have almost 100k coming up in the next few months. What can I do? After I get the subpoena I plan to just file on whatever I have and then hope for the best with the rest. Is that even possible? Are you allowed to file on something that is currently going through litigation?
I have a k car note debt on its way to an attorney for a court hearing in the near future. I haven’t been subpoenaed yet. I have k in medical bills getting the run around from my health insurance and another -k that hasn’t even been filed yet by the doctor but may also be denied.
I can’t afford to have a court garnish my wages a single cent for the car note but can’t file for bankruptcy protection just yet because I’m waiting on the insurance company to either pay or deny. Until then, I won’t get a bill to put on my bankruptcy forms. Also, the other doctors haven’t filed their claims yet. They have up to six months to file a claim and it’s only been 30 days since my surgery.
Bottom line: it would be a waste to file bankruptcy right now over 11k when I have almost 100k coming up in the next few months. What can I do? After I get the subpoena I plan to just file on whatever I have and then hope for the best with the rest. Is that even possible? Are you allowed to file on something that is currently going through litigation?
Seeing as to how Obamacare is heavily debated and let’s be honest the GOP haven’t put a viable alternative so what are your thoughts on some reform
What should be the main goal of health reform in the US, should it Decrease the cost of health care, Improve the quality of health care, Improve the access to health care or make most Americans receive at least basic free public care. What would it be like for the US if an Australian system like the Medicare service is implemented where all taxpayers pay a 1.5% income tax levy (with exceptions for low-income earners), an additional levy of 1% is imposed on high-income earners without private health insurance. There is also a private health system where people pay for health insurance to go to a private hospital if they wish for quicker service. Bankruptcies from lack of funds to pay for medical bills is the largest reason for personal bankruptcies in the US accounting for over 60 % of all bankruptcies, while in Australia it is almost negligible.
then what’s the problem with starting up a gov’t funded alternative?
1.) People argue of dooms day scenarios regarding waiting lists to get teeth pulled, but never take into account all of the people who wait until the last minute to get medical treatment b/c they have no health insurance. THESE PEOPLE WHO WAIT ARE DRIVING UP THE COSTS of healthcare b/c by seeking no preventative care, they increase the amount of expensive surgeries and extended stays at hospitals. As it stands, Americans are already paying for that now.
2.) The people that state that the US can’t afford gov’t funded healthcare due to sky high taxes overlook the fact that healthcare costs are the leading cause of bankruptcy today among people that HAVE HEALTH INSURANCE.
3.) The people that state that if the gov’t provides healthcare, it will eventually have within it’s ability control to manage every aspect of our lives have obviously never heard of the military, CIA, FBI, NSA, Homeland Security, Federal Reserve, Treasury and Coast Guard, which at any point can control every aspect of our lives today.
Okay so I live in Australia, and we’ve had free public healthcare for ages. Its really good quality, you get more services than private healthcare. Although waiting times are longer.
The majority of the Australian population is on the public healthcare system, Im on it, My family has health insurance though.
But Im not entirely fussed about my healthcare, I just want to know that if I get run over by a car, Ill be taken to hospital, fixed up and that’s it.
But in our medicare levy, if you have private healthcare, you don’t have to pay taxes for public healthcare.
But its only 1.5% of your income tax to pay for, 1.5% is HARDLY anything.
And you don’t even have to pay for it if you already have private healthcare.
1.5% thats hardly anything! Expecially if it means poor people don’t have to die from lack of healthcare, or go bankrupt.
You DONT have to pay for public healthcare if you get private healthcare.
I dont think 1.5% is much.
@Good for Australia. But this is America and we don’t want government run anything. We like having choices and competition. That is what free people do. When the government starts making choices for you, those freedoms are taken.
Your gun laws are a great example.
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Our gun laws are an amazing example, You have a 5x lower chance of being shot and murdered in Australia than you do in the USA.
After trying to find ways to be able to take care of our responsibilities we have come to the last resort and that is to file bankruptcy. We don’t own any homes or any real property. what I am curious about is which is better chapter 7 or chapter 13. We want to be able to start saving a soon as it done and when feesible start rebuilding credit. Our credit card debt is only 00 which is a lot, but it could be worse. We just had two bad years with this one being the worse. I am looking for advice on the best way to go between the two. Chapter 7 or Chapter 13 and why.
We are not happy about doing this as we have tried everything. We don’t have anything of value and we have tried to pawn stuff but couldn’t get .00 for most. We live very modestly. So please do not answer this question if you are going to be negative.
Thank you so much. We want to do the right thing so we can start over and never have to do this again.
Thank you so much for all that has given advice so far. I guess I need to add just a few details to make the situation clearer.
As I stated it has been a bad 2 years, actually almost 3 years. I got real sick and had to leave my job and am now on disability. My husband took on a second job a year ago. He pays child support. Between the two of us we have 5 kids between the ages of 9-16. We have two vehicles, which one is in the shop. We also are surrendering this vehicle.
We have an attorney and he is recommending chapter 13. I (we) have a lot of medical bills. After I had to leave my job I couldn’t afford the cobra payments for continued health insurance. To maintain health insurance with my husbands employment (state worker) would have cost more than the cobra payments.
My ex- husband filed bankruptcy and I did not know that anything he had when we were together, came back to me.
I never thought I would get sick and have to quit work. I was not prepared.
Are you jumping on the band-wagon with the idea that health insurance be mandatory for all legal US citizens and if you cannot afford to pay for it yourself…the US tax payers will? Well, heck…why don’t we all just go file for bankruptcy then! From the sounds of it, if you make less than K a year…you qualify.
Good thought Zanz…I agree…none the less he is the president.
saying…its basically a human rights issue and saying that as rich as this country is and since all those other countries manage to provide universal low priced health care to their citizens…that the USA is actually denying him life liberty and the pursuit of happiness by having a system where a comprehensive health insurance policy for a family of 4 could easily cost ,000 and that 65% of bankruptcies are due to citizens having gotten sick etc……
My financial situation is such that I may need to file bankruptcy. I am starting a new job and as it is a small company I may need to get health insurance on my own instead of through the company and the employer will reimburse me for a portion. I am wondering how filing Chapter 7 Bankruptcy will affect this, if at all. Any assistance would be VERY helpful. Thank you!
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