Oh course your are ranting. Medical costs are insane. Diabetics have extremely high bills. This won't help with your current needs but it still might be something to consider looking into. After my attempt, my medical bills were so high that I had to file for bankruptcy. Reducing my debt has been essential to my recovery from depression (reduces stress). If you take your numbers (income/expenses/debt) to a bankruptcy lawyer, most do not charge for the initial consultation but will be able to tell you if it is a good option for you. The only drawback is that if you decide to file, you have to come up with the money to pay the lawyer's fee. But it will stop any hassels you may be having with debt collectors.