I’ve been working on an Ambulance since I was 15 (50 now). Helping people became who I was and I loved doing it.
Entered my 30’s I was diagnosed with a tumor in my spine. Thankfully not cancerous but a type encapsulated my L3, 4 and 5 developing into an extension of my nervous system making it painful to move patients without being down days after. I later discovered the tumor was the result of lifting patients. I only bring it up because of the cost to my health buildings business, I worked through the pain paying later in life.
Over the years we built the company into the most professional in our area. The only competition that could hurt us were the illegal ones scamming Medicare & Medicaid with the greatest of ease. The kind of companies paying dialysis patients cash in exchange for their Transport to and from dialysis ripping off Medicare.
So we did something about it, we teamed up with a couple of FBI Agents who wired us up and sent us in to talk shop, taking down several fraudulent providers.
We picked up a patient who probably should be going by Ambulance not Wheelchair Van but the doctor demanded it and sending a Nurses Aid along to watch the patient. About halfway to the destination the patient, thinking she was home in a recliner, the patient unbuckled her seatbelt. Our driver braked, the patient was injured hitting her head. The Nurse Aid was facing the opposite direction playing on her phone. Thankfully we had onboard video and more to catch her.
She sued us in 2015, no not the patient, the nurses aid. Sued for Post Traumatic Stress Syndrome. She had no injuries. We were confident any paralegal could wipe the floor with her claim, reported it to our insurance moving onto bigger things. Fast forward to 2018, the company was 12 years old, we outlived most of our competition feeling secure in our future.
- We couldn’t have been more wrong…..
It was around 630 on a Friday night July 2018, I began receiving calls from three then four employees at once saying the bank won’t cash paychecks. There was certainly more than enough in the account to cover it.
We impatiently waited for the weekend for the bank to tell us what was going on. To our surprise someone served a Writ of Execution on our account! How could that be, we were covered to the hilt with insurance.
Remember that nurses Aid, her and her husband sued us and won. How can that be? My ridiculously expensive insurance had permitted the suit to proceed undefended.
We were forced to close a few weeks later. We incurred massive personal debt to keep the business alive enduring inhuman amounts of physical and mental pain to have it all taken in an instant.
We entered a shocked and dazed mixture of fear, terror and overwhelming depression I didn’t know existed. Worse yet that fear can’t hold a candle to the fear depression and sheer panic I feel today. Its gonna sound crazy but that was easy compared to what my family will endure.
We quickly fell behind in our mortgage by 3.1 months, so the mortgage company jumped on foreclosure. Before I knew what was going on it was over. I admit I ceased functioning entering a dangerous depression contemplating leaving earth.
While selling my life I learned about Mortgage Modification, requested one. My bank led me to believe it shouldn’t be a problem given the circumstances. Despite what I was being told, the bank focused on foreclosure while I focused on repaying it. Everything happened so fast.
Oh my god. What am I going to do? I’m on the verge of actual homelessness waiting for someone to show up and make me leave my home. I can’t eat, haven’t slept in months and all i want to do is die. When I open my eyes in the morning after never more than a few hours sleep, I wake in a panic. I experience levels of depression I didn’t know existed. I apologize for shotty writing, I wasnt always this bad.
It’s October 25, 2019. I’ve developed a shake (hands, legs) and a crushing depression like I’ll burst into tears at any moment. I’m on the verge of a nervous breakdown as I walk through my house Posting my life’s assets for sale online before they take that too. I’m worried about my wife who never dealt with stress well and my son who, you can’t imagine whats its like to tell your son were losing our home.
I received a letter saying if I can come up $45,000 I can keep my home. I’ve been helping people my entire life never expecting anything in return.
Today I hope an Angel shows up and either saves me or takes me. God help my family please! If anyone can stop this madness, please. I will find a way to repay it. I will do anything for my family. I don’t expect this will save my family but I have no other choice but to ask for a miracle.