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Losing Wealth Deadly

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  • #16
    For my 7, my medical bills average around 2300 a month.

    Sadly, I can prove it.

    Barbisi, can you really pay your bills? Perhaps it is time to sit down with pen and paper and list them all again. Or, have the surgeries (didn't want kids so the hysterectomy literally saved my life from horrible fibroids and endometriosis-I was bleeding to death, although slowly plus get physical therapy-not the Chiro- managed to clear the ulner nerve irritation, carpal tunnel surgery was fairly easy to recover, and work out payments for the DDS - even ental schools are good), and with the uncovered amounts piling up, now have a sit down with the lawyer. Redo the 13 or convert to 7. The last thing to do is suffer in pain as insurance wwill eventually run out and medicare pays even worse, recovery from procedures gets harder as we age, and if pain pushes you to opiods, get off as soon as possible as the more those are used, the less likely you will return to any useful function. Best of luck!

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    • #17
      Hi Maria30386! Thanks for the detailed advise but the symptom I 'm having from the fibroids is a permanently bloated belly which while unattractive doesn't prevent me from exercising .The carpal tunnel and ulnar likewise doesn't cause symptoms for now - it's more the chiro care I need to continue to function is very expensive ($60 per visit ) and now these dental issues (an extracted tooth followed by an implant) are not things I was expecting nor are easy to save for. Our mortgage payment will be more than $2200 beginning in May (a $90 increase! )
      plus the mandatory $90 per month for the worthless solar panels. That is more than $2300 ! But if we sell the house now or let it fall into foreclosure ,we would walk away with nothing and still have to pay the Chapter 13 because my husband earns $95000 (on paper) a year. Now if he loses his job or one or both of us are diagnosed with cancer than we would have no other choice but to try to convert to a 7. The lawyer made it very clear when I thought I needed a metatarsal bone in my foot removed we still had to somehow pay or else! He warned us the trustee would revisit all the exemptions he had granted but didn't like and raise our payment! I think we are trapped in this current plan until something catastrophic happens. (God Forbid! )
      Today I'm going to my dentist for the extraction,estimated at $500 (a collagen plug/bone grafting (?) is included. ) Wish me luck on a quick and virtually painless recovery - I'll need it!

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      • #18
        Good luck with the teeth! I'm getting my first cleaning after jaw surgery shortly. I think I'll be like a 2 y/o squirming and hopefully, not screaming too loudly. . .

        Just a thought, if you can fit it in, see if you can get a consultation with a few other bankruptcy attorneys. I've read several posts on this site where an ungodly payment amount turned into something more reasonable once the proper unafraid or non-burned out lawyer was found. In my own case, I was turned down by several, and just filed with the right guy today. 14 days for all the paperwork to be done, 6 weeks for the 341, then the 60 day club.

        Also, if the solar panels are non-functional, can you have those returned to the company that installed them? The panels on a friend's place cut his electric bill more than $200 a month, and that was before the Phoenix Sun turned the area into an oven, those months cut his bill more than $400 each month.

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