[Moose72]

Even though I know everybody says not to. I jusy went through lots of unopened mail and found something from February having to do with my Medicaid that made it seem like it would get shut off but its still on. Guess I should call. I'm scared. Like I have to defend why I need it. If I can't get my meds.....

It sounds as if you might need an attorney more than anything else to protect your
rights under Medicaid. I wouldn't try to manage it all on my own, especially since
you'll be dealing with the U.S. government on that one. You would also be able to
get advice on whether bankruptcy is advisable for you.

Check several lawyers fees; you might be able to find one who would do the work
on a pro bono rate. (It would be less expensive that way.)

Prayer going up now for peace for you throughout this ordeal.

[Moose72]

Cries..... Too much! My Medicaid is still working. Wtf.

[Moose72]

Scared out of my mind

[Moose72]

Think its Ativan time. Fml

[Moose72]

Lets see if they help.

[Moose72]

Thinking I might get a drink or 4

[couldbeworseiguess]

If it's not too personal (I know people hate discussing finance on the internet), why bankruptcy? Is it just medical costs, or are there other factors (mortgage, student loans, credit card debt, taxes, back rent) involved?

If it's medical costs, there are other routes you can take; I'd speak to your doctors before anything else and let them know what the deal is. I know my psychiatrist has a veritable warehouse of samples he'll toss out if you can't afford a prescription that month or whatever.

There are also companies that you can finance your medical care through if you're temporarily without medicaid. I know I owe MedmaxFinance more money than I'm worth but the payments are low and especially if it's temporary it's worth a shot.

If it's more than that, bankruptcy is an option. It's not the end of the world and won't eliminate your student loan debts but you're going to be living on cash for about five years. My mother, for several reasons, declared and within five years was able to finance a car, rent an apartment with no penalties, etc.

Either way it won't be the end of the world. There are enough people around these days that are looking hard at bankruptcy anyone you owe money to is going to bend over backwards (in most cases) to make sure they're not looking at losing that debt, even if it means they have to lower or postpone your payments until you've got everything figured out.

From personal experience, I've had the same thought, but I've been irresponsible enough for long enough to play the collections game and learn it well.

[Moose72]

Maybe more Ativan

[~Christina]

Moose ...

Obviously your medicaid is still working. You could be drowning in debt , like a lot of us , people in general.
Filing for Bankruptcy is really not the end of the world. Its a fresh start. I am certain that is a very scarey thought for you. Speak to an attorney .. weight the pros and cons and make an informed decision.

Hope your able to find out what is the best decision for you and your kids.

[Moose72]

Thanks Christina. I am so nervous . The Ativan took the edge off . So glad you're arounds today.

[Moose72]

Been cleaning all day and just got a shower and sweats on now. Comfy. Watching tv. More Ativan later.

[~Christina]

Can I ask you a question ????

[Moose72]

Yes you know you can. But the fact that you phraed it that way maybe you should pm me.