I hear ya! Between my husband's cancer and my bipolar and other medical issues, we're in debt to the tune of over $100K. That will never be paid off in this lifetime and I think they know it, but they keep treating us. It's weird though, I haven't gotten a bill from my pdoc's office since last fall and it's not even listed under any of my accounts. I'd HATE to see how much I owe him!! Then one of DH's cancer meds is over $6,000 a month, and the other is $8,000 but we get that one free.

In a way, it's just as well that we've become low-income, because they can't take money we don't have. Every now and again we get a bill collector who wants us to borrow money from family, sell stuff, go out and get a second job etc. but I just laugh at them---I don't even have ONE job, and our family members are little better off than we are. I'm paying $5 a month on my student loans, and they're accepting it as long as I keep up the payments. Again, something I'll never pay off, but at least I'm out of default status.

What's a little stickier is the fact that I haven't filed income tax returns in awhile. They come due at a time when I'm least able to keep my head together (early spring) and I've blown it off four years running. I don't think I owe them much, if anything, but I'm sure the IRS will catch up with me at some point. I say screw 'em, they can't take more than 15% of what little income we have, and they may not even be able to do that if I get disability payments which are less than $750/month. They can strip you, but they can't starve you. To hell with 'em all!