How much do you need? Not for appointment to see useless pdoc but to pay the most important bill? Like to get physical?

Call these creditors and talk about a plan. Tell them how much you can pay. See if they help you.

Also perhaps bankruptcy is the way to go. I know it's hard but people survive it. My fiancée had bankruptcy few years ago. He survived, lost his house etc it's still tough as he is still dealing It years later but it's getting better. I never had bankruptcy but I work two jobs 70 hours a week so I don't have to do that. Finances are huge source of anxiety for us. I hear you.

Actually my t gave me financial/job related advice when I struggled .

Now why do you need life insurance? Do you have minor kids? If not then I'd stop worry about it and focus on other more important bills. Forget about life insurance

Do you have any family? Anyone? Church? Are you in the US?

Please don't spend your last money on seeing your t/pdoc.

My heart goes to you

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