Hi-I am hoping that maybe some here will have some words of advice or encouragement or something for me. I literally feel like I am at the end of my rope and about to just let go cause I can't take it anymore.
I will try to keep it brief and then can provide more info if needed. DH is a truck driver, I work in a call center. Both of our pay and hours have been cut. We are making literally half of what we were 2 years ago. We are just absolutley buried in medical and other bills. I am trying to keep everything paid on time (or at least not 30 days late) to keep our credit clean.
2 years left on our car payment-I've talked to couple of dealers and we are upside down so no way to trade it in and get a smaller payment. I do have a couple of payday loans (storefront) and then loads of medical bills from an accident DH was in about 3 years ago. Yes some medical billing is very easy to work with others not so much. A hospital he had a follow-up surgery at 7 months ago is threatening to file a law suit if we don't pay them $2500 in the next 60 days. I was sending in $100 a month but I guess that was'nt enough. We don't currently own a house so we don't need any judgements ruining our credit. If we owned a house I would'nt care as much but the stress of trying to keep the credit report clean is driving me crazy. We filed BK 2 years ago after the accident but with followup medical we are buried again. We do have group ins. that we pay almost $600 a month for but this is what is left after they pay. I am almost to the point of dropping ins becasue we are buried in medical debt anyway.
We have things breaking down faster than I can keep up with. Clothes washer does'nt work, refrigerator leaks, stove does'nt work (I cook in an electric skillet), car needs brakes and an oil change badly, weed eater died so weeds around the house are about waist high, every piece of clothing I own is worn and has holes plus I have'nt had a hair cut in almost a year. I literally don't have even $5 extra. I float checks on a regular basis and write checks over at the grocery store for cash. Anyway can you tell I am very depressed?
is there any hope?
I will try to keep it brief and then can provide more info if needed. DH is a truck driver, I work in a call center. Both of our pay and hours have been cut. We are making literally half of what we were 2 years ago. We are just absolutley buried in medical and other bills. I am trying to keep everything paid on time (or at least not 30 days late) to keep our credit clean.
2 years left on our car payment-I've talked to couple of dealers and we are upside down so no way to trade it in and get a smaller payment. I do have a couple of payday loans (storefront) and then loads of medical bills from an accident DH was in about 3 years ago. Yes some medical billing is very easy to work with others not so much. A hospital he had a follow-up surgery at 7 months ago is threatening to file a law suit if we don't pay them $2500 in the next 60 days. I was sending in $100 a month but I guess that was'nt enough. We don't currently own a house so we don't need any judgements ruining our credit. If we owned a house I would'nt care as much but the stress of trying to keep the credit report clean is driving me crazy. We filed BK 2 years ago after the accident but with followup medical we are buried again. We do have group ins. that we pay almost $600 a month for but this is what is left after they pay. I am almost to the point of dropping ins becasue we are buried in medical debt anyway.
We have things breaking down faster than I can keep up with. Clothes washer does'nt work, refrigerator leaks, stove does'nt work (I cook in an electric skillet), car needs brakes and an oil change badly, weed eater died so weeds around the house are about waist high, every piece of clothing I own is worn and has holes plus I have'nt had a hair cut in almost a year. I literally don't have even $5 extra. I float checks on a regular basis and write checks over at the grocery store for cash. Anyway can you tell I am very depressed?
is there any hope?