I have been so stressed from this debt that I’ve developed crippling anxiety and depression. Even though I am barely making ends meet I have decided to seek professional psychological help to deal with the anxiety and despair. I know this will add to the pile but I cannot continue on my own. Its what brought me here. It would be incredible to be completely freed from this $20,000 in debt. Anything would be of help.
I’ve accumulated a mountain of debt from some unnecessary purchases, medical and vet bills over the past six years. Every time I seem to get ahead something comes up that keeps me stuck. Sometimes of my own making but mostly from the unexpected. About 6 years ago my cat, Krishna, swallowed a string and required roughly $4500 to cover the hospitalization, surgery, and follow up care. In 2018 I spent another $4000 on vet bills in an attempt to stave off his kidney disease. Unfortunately there was nothing that could be done in that situation and his physical presence is no longer on this earth.
Almost three years ago I got my first job out of college. I got a little carried away and spent $1500 on a suit, shoes, dress pants, and dress shirts for the job. Those unnecessary expenses I mentioned.
Four years ago, in 2015, I severely injured my arm in my first week of Brazilian Ju Jitsu Class. A few weeks went by where I couldn’t hold my arm up, drive with it or even carry a coffee mug. At the time I just let it go bc I was unemployed. It started bothering me again in 2017 so I decided to try physical therapy. While it was covered by insurance those copays still added up to approximately $2000. Fast forward 8 months later and my shoulder went on me while using resistance bands. I immediately had an MRI that confirmed the labrum was torn. Surgery followed a few months later and physical therapy this past fall/winter. The $1250 deductible in $5000 in copays added up fast. I was so stressed out about meeting a budget that I even buried my head in the sand and let a medical bill go unpaid. I have since reached out to the collection agency to make payments.