The situation with debt and medical care and property in the U.S. has gotten insane. My husband never used his medical insurance for over 20 years. When he did get sick, his medical bills went north of $250,000. We have a $21,000 out of pocket cap but ended up owing $30,000-ish (all due in 90 days, or the debt gets sold to cockroach collectors) anyway.

He is nearly through bankruptcy, but now is afraid to see his doctor, which he absolutely needs to do on a regular basis. The thing is, it is not an irrational fear, as you can only file bankruptcy once ever 7 years in the U.S., and when you go to the doctor you have no idea what the cost will be after tests, procedures, whatever. So, weirdly, having been through a serious illness and having had to file bankruptcy, he now hesitates to get the care he needs for fear of losing his job, house, and all the rest.

This MUST change. Like I said, it's insane. People who need care don't get it for fear of the cost and then get sicker, costing even more.

Glad to hear you are in bankruptcy. At least the calls will stop!