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J
Jim

January 25th

I've never been in your situation, but have seen the following happen to others, after significant effort: 1) If you are not yet divorced, you should contact a lawyer. A divorce settlement might allocate half the debt to him, in addition to ordering him to pay child support and alimony. 2) Many hospitals and some medical providers will negotiate reduced payments or forgive completely bills to someone with no assets and low income. But you need to contact each one to find out. It may be too late to work directly with a provider if they have already turned it over to a collection agency.
A
aurelius

January 25th

Shannon I am not a coach or financial expert, I just wanted to say that reading your story breaks my heart, I'm so sorry for the difficulties you have faced. I pray that you will find comfort in the midst of this terribly difficult circumstance. I do have a friend who declared bankruptcy years ago after going belly-up on a jumbo mortgage (this was pre-2008 financial crisis). He has told me it was a good decision for him...obviously the ramifications are dramatic, and you probably want the advice of a lawyer or CPA about what it means, but just something to consider. If you are committed to paying it off, suggest you look into Dave Ramsey's programs, like Financial Peace University or the "Baby Steps" / Debt Snowball.
G
G

January 26th

Why are you “drowning” in medical debt? There are several government programs which can help you. Reach out to your local Department or Social Services. God Bless.
G
G

January 27th

Just thought about the Genetic Information non-discrimination act of 2008, (GINA). How does this act affect taxes if it does at all?
T
TomM

January 27th

I too am so sorry to read of your situation. Rest assured this situation is no surprise to God. I second the comments about Ramsey’s resources. While you consider what to do, consider a few points Ramsey makes. Know well your financial situation and give every dollar a name. Feed, clothe, and shelter yourself and your family first. Organize your debts and prioritize who gets paid and who doesn’t. Extra work may be a help if it fits into your life. Don’t let a collector berate or intimidate you into giving them one cent more than your plan calls for. There is no more debtors prison. The collectors may press for legal proceedings, but they know their cost goes up to do that and they can’t get anything if they force you into bankruptcy. So they may resort to lies and intimidation (not all of them) and making you feel guilty about your debt. You don’t have to talk to them and you don’t have to feel guilty. Stay in control of your emotions. This is not the end nor the worst that can happen. The stress of the debt is nothing compared to chemo!
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