Hello and thank you for taking time out of your busy day to read this.
I was hospitalized a couple of years ago for an acute problem with my liver. I had insurance but turns out that even having that doesn’t prevent you from incurring ridiculously expensive bills.
For a three-day stay and NO major surgery, I received a lovely invoice for $25,000.
That was over two years ago. I have tried making payments on time, and foolishly even doing the bare minimum. I’ve even missed a few payments due to just living off the essentials and trying to provide for my wife and young daughter.
I’ve managed to bring down the total debt to about $20,000.
This was also during a time in which the restaurant I work at became very slow and I lost a significant portion of my income. My credit card debt increased quite a bit in these days. Nowhere near the amount of c.c. debt I hear about other Americans holding, yet still it is adding more gasoline to the fire of my finances.
Now the debt is looming over my head, my credit score is going into the gutter, and I just don’t know how I’m going to ever be able to pay it all off. They are threatening to have collections go after me. I’m considering declaring bankruptcy, but I’m worried about the credit score freeze that will last with me for years.
My monthly payment is also outrageous, and I feel so overwhelmed. This is probably one of the most embarrassing things I’ve ever did, even if no one can physically see me writing this or ever meet me in real life. I know alot of people are going through similar situations in this country, and sometimes I just don’t know how anyone manages to get by. Everyone wants the best for their family and I don’t want the dark cloud of debt and uncertainty to ruin my daughter’s future.
I don’t expect anyone reading this to donate the full amount. Any amount, hell even a couple bucks would be GREATLY appreciated. I’m at my wit’s end here, and was looking for websites like this. I intend to pay it forward in any way I can. I try to be generous with my time (maybe too generous sometimes), whatever little money I can afford to donate, and hell even I try to pray/mediate for others and their situations in this crazy time we find ourselves. I don’t want to toot my own horn here, I’m only human and have made plenty of mistakes, ESPECIALLY financial ones.
Thank you so much.
-Sean
https://paypal.me/agelessmelek?country.x=US&locale.x=en_US