Hello to anyone who is reading this!!
I know we all have our fair share of struggles. Everyone here is deserving of all the help they need. Im not usually one to publicize my problems or struggles, but its come to the point where I need to finally ask for help. I have had a series of unfortunate medical events over the last 6 years that has put me into a position of incredible debt that I can’t seem to get out from.
My story starts with 3 years of unexplained and undiagnosed abdominal pain. I saw every doctor and specialist imaginable to find answers and treatments. During this time I was subject to horrific domestic abuse from my step dad. I don’t care to go into details because its too painful to write about. I was living on couches and floors while trying to find out why I had debilitating pain. This particular medical saga ended with me having two surgeries. One didn’t help, and one was totally successful in finding and fixing my problem. I ended that saga with over $30,000 in medical debt. All of which I unfortunately put onto my credit cards. A mistake I wish I had never made. The good news is that I had landed a job that would allow me to start paying that off!
Part 2 of my story. I ended up with an injury because of the first surgery that put me on a medical leave without pay. I was in physical therapy for about 9 months before I could return to work. All without making any money. I went back to living on couches and floors to get by. My debt continued to climb and a good friend of mine decided to gift me $15,000 to help me get by. I vowed I would pay her back when I was able to go back to work and get my finances back in good standing. I returned to work and was feeling great for about 6 months.
Part 3 of my story! This is fun, right? While at work I developed severe numbness in my hands. To the point of not being able to do my job. I was devastated. Turns out I had to have surgery to replace a disc in my neck and leave work yet again. This time it was covered by workers comp, but I still had no chance to make a dent in my medical debt or the debt I owed my friend. I had a successful neck surgery and a very fast and wonderful recovery. Just as I was about to head back to work, Covid happened and the world shut down. I was in limbo yet again.
Part 4….the covid chronicles. My job industry completely shut down due to covid and it looks as though it won’t reopen until next year. But that wasn’t my biggest worry. Because of all the scans I had on my neck structuring to find the ruptured disc, Drs also discovered something suspicious on my thyroid. Long story short, it turned out to be cancer. So there I was, the midst of a covid oubreak and heading into the operating room AGAIN to remove my thyroid before the cancer spread. Thankfully my job is paying for my monthly insurance payment, but my insurance only picked up half of the tab for my cancer treatment, leaving me with a whopping $10,200 to pay out of pocket on top of the debt I still have to pay for my past medical procedures AND the debt to my friend.
Im lucky enough to receive unemployment during this time but its not enough to cover monthly expenses on top of the payments for my medical bills and my credit cards. Let alone the money I still owe my friend. I am so, so lucky to not be in a worse situation, and I am so happy they caught my cancer early enough to easily treat it. I’m praying that this is the last of the hellfire storm I’ve been dealing with, but now I need to get out of debt. Its been a dark cloud looming over me for too long and I haven’t been able to save for anything in life. No retirement, no house, no car, nothing. I depend on others to help house me and I work hard around the house and in my host’s yard to earn my keep. I don’t own a car so I rely on neighbors to help get me to my appointments and I basically live out of a suitcase. I’ve worked hard all of my life and I’m the first person to give you the shirt off my back, but right now, I’m in a position where I need help. I’d like to know that I have a future thats debt free without barely living paycheck to paycheck. Please help me get back on my feet. We all need a chance in life.
Here’s a breakdown of my debt:
Credit card medical debt- $17,560
Thyroid cancer treatment bills- $10,200
Amount I owe my generous friend- $15,000
Money to start an investment in my future- $5,000