Deep in Debt and Very Scared, Don't know what to do

[Bandit]

Bandit,
Since you have previous medical bills are you facing more in the future? If so, were you filing separate or you and your spouse filing together?

Sometimes I may sound real harsh to some of the members, but somebody has to "kick us in the butt" and get us going in the right direction. I know they had to ME.......

Hi Minny. Yes I will have more medical bills coming. I already have over 20,000 just from the hospital. My Doctor (specialtist in facial repair) told me his fees would come to at least 10,000. Then my broken teeth I esitmate will be between 5,000 & 10,000. This will probably go on for another 2 months before I begin to get back to normal. I absorbed a very hard fall on my face & the truth is, I am lucky I did not break my neck & cause bigger injuries or even death.

I did not feel you were being too harsh though. Simply telling the truth. We have to face these thing head on. Running from them, ignoring things and being scared is not going to help correct anything.

I am single & I do not have to make a BK at the moment because I can still pay for things. I know this is going to change soon though because the hospital already told me if I can only send 50.00 a month, I will not get the discounts & the bill will go to collections immediately.
I am going to wait until ALL the medical bills are in then see where that leads as far as paying them back or making a BK.

Yes, bankruptcy is a "business decision"...... even though it still affects us mentally, emotionally, financially, and physically if we let it....

Filing bankruptcy is like an "old friend" helping us out of our situation..... they are offering the helping hand!! We should count our blessings that the offer is there.....

I did not use to view BK like this as I did not know anything about it. After being here for the week I do view BK as an old friend, a blessing and the helping hand.

Keep us posted on what you do.....

Chin up, smile, better days are ahead in the future, and things will straighten themselves out if you take control of the situtation.

Minny

Well, my chin is up. Literally up, as it will be wired shut for at least 3 more weeks so my jaw & face heals correctly. But my chin is up also in my emotions & mind.
I certainly will post on the progress over the next few months, both a BK if I have to & my health.

While I am thankful for the Doctors who have helped me get better, I also very much appreciate this forum (another helping hand) as it is truly helping me figure out what, how, when to do and where to go. Thank you for the kind words of encouragement & letting us know that BK is not something to fear, rather another healing process. Sometimes we need to hear that & if it takes a kick in the rump to motivate, then take the kick in the rear and start healing.