- [This post was marked as helpful]
For the past few years, my husband and I have hosted a class on finances offered through our church. Do NOT talk to a bankruptcy lawyer until you have exhausted all options. The way they make their money is by getting you to file bankruptcy and I am sorry, I know from personal experience that you will go there looking for options and suddenly find yourself signing papers when in reality, you did not need to. Sometimes that is your only option but most of the time it is not. It wasn't medical bills that sent us into a tailspin as we had an HSA to cover the deductible. It was everything else. That was when I learned, through my union, about an organization that could and did help me in regards to my creditors and also did all the negotiations and communication with my creditors for me so I didn't have to deal with them. Many of these companies that promise to help you with debt are fraudulent so you have to be careful. They will take your money and not pay your creditors. You must look for one that is non-profit. However, I am going to list the website of who I went through because they were recommended through the union I used to belong to, they have an excellent reputation, have been around for about 60 years or so and more importantly, they did pay my creditors as agreed and I have the monthly statements from my former creditors to prove it as well as letters from the creditors stating that my debts are paid in full. The website for the organization that helped me is: http://www.moneymanagement.org/
The name of the company is Money Management International. You can contact them for a free phone consultation of your situation. Gather up your bills, your monthly expenses, income, etc. The counselor will look at your situation and do up a budget, figure out what you can reasonably pay, advise you on your options which could be a debt management plan, bankruptcy, etc so that you can make an informed decision about what to do. If they decide that a debt management plan (DMP) is right for you, they will send you consent forms so they can submit a proposal on your behalf to your creditor(s). For me, this was a lifesaver as I was not in a good place to deal with rude,nasty people and once MMI took over, I didn't have to. There was a monthly administrative charge of $35.00 a month once the plan was set up but like I said, the consultation was free and personally, I felt the fee was worth it. With careful budgeting I actually was able to make additional payments and paid everything off two years early. This is just an option to consider if you do not have success with suggestions like patientadvocate.org.
<message edited by karey on Sunday, October 04, 2015 11:22 PM>
Diagnosed at age 47
DX: 12/13/07 IDC Stage IIa Grade 3 3.5 cm TN
Lumpectomy 1/30/08 SNB neg
Chemo-2/29/08: 4 A/C 4 Taxol-Done 6/6/08! NED!
33 Rads 7/7/08-8/20/08 Done!
12/10/09 Now Ruptured Brain Aneurysm Survivor!