I have a hospital bill of $101,000.00 and Physicians fees of $38,000.00 with no insurance in sight. I also have racked up about $30,000.00 in various credit card dues. I've never missed a payment on the credit cards for over 18 years thanks to a little help now. I am currently disabled with no resources except food stamps and also are unemployed. I've applied for SSI, SSA and Medicaid but I do not fit their definition of being disabled. My doctor's have pointed out and provided testimony on paper that my medical condition will have to be followed up for years and that I am not to work or drive until they decide it is safe. I had brain tumor surgery with a side order of uncontrolled grand mal seizures. I'm on the road to recovery but it will be well over 12 months with expensive tests in between.
$3500.00 for MRI's twice a year to monitor for recurrence of tumor.
Any sane advice would be helpful. Bankruptcy? Flee the country?
Just jokin.
2006-12-09 18:03:31 · 6 answers · asked by Anonymous in Business & Finance ➔ Credit
first of all, sorry for your illnesses, and it's great to hear that you're on the road to recovery...second, from my experience..my ex bf first applied for disability (for gout so severe he couldn't walk) 12 years ago, they kept telling him he was not eligible, he kept trying, and this year he received a backpay of close to 40 grand for all these years of denial, and is now receiving the assistance...there are attorneys out there that specialize in disability applicants being denied...some do not get paid unless you do...have an attorney help you out on your case, let him know that you have documents from doctors stating you are not able to be employed, and that you've been getting denied assistance..it'll get dug into..as for your hospital bills, call the hospital accountant's office, and speak with him/her about how high your bills are (i'm sure they know)...let them know your situation, that you're on food stamps, and have no income, and they'll let you know that there's a program that will help you out with your bills...almost every hospital has this program for people who are low income (you are qualified, cuz u get stamps) that they pay a high majority of your bill for you, and set up a reasonable payment plan..good luck to you...i'm pretty much guaranteeing you that you'll get a windfall from the government...filing for bankruptcy seems nice, but in the long run, you'll wish you hadn't........i wish you the best of luck :)
2006-12-09 19:03:13 · answer #1 · answered by dre o 3 · 0⤊ 0⤋
If you don't want to pay the bills that's your business, but when you become a "dead beat" most hospital will not do anything other that life saving. They like getting paid. I will have to assume you have no money and live in WA or Idaho. Why WA or ID? They are the only states that I know of that have the 2 yr life limit on welfare so you must of done your 2yrs. You don't fit Medicaid? That means you too much money in th bank. Or make too much per month. SSI? your kidding? If you doctor says you can't work they will give it to you for a yr no questions asked. I don't know what SSA is did you mean SSDI? This for people who don't have a work history to get SSI. You sound like you have not really looked and just want to complain. I know that if your telling the truth you don't like in the US
2006-12-10 02:16:35 · answer #2 · answered by Tedi 5 · 0⤊ 1⤋
The bankruptcy laws changed 10/17/05 But they left a couple of provisions. If you are below the poverty line for the past 6 months, or if you have significant medical expenses, you can still file chapter 7. My best recommendation would be to seek legal advice in your area. the agency you use to get food stamps can refer you to free or reduced cost legal assistance
2006-12-10 02:18:19 · answer #3 · answered by mrsjanejetson 2 · 0⤊ 0⤋
From an income point of view, you are bankrupt, assuming you are not married. If you are married, insurance or not, your spouse's income counts, under the new rules.
You do not mention assets, however.
In either case, check with a bankruptcy attorney.
2006-12-10 03:48:13 · answer #4 · answered by Anonymous · 0⤊ 0⤋
I would call them up and ask to settle . Most hospitals would rather settle and get paid then to not settle and not get paid.
2006-12-11 09:47:50 · answer #5 · answered by Courtney 2 · 0⤊ 0⤋
Bankruptcy bankruptcy that what its for people like you.
2006-12-10 03:03:50 · answer #6 · answered by albertferrin 1 · 0⤊ 0⤋