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<blockquote data-quote="GoingNorth" data-source="post: 342407" data-attributes="member: 1963"><p>It's a horrible situation. I wasn't rich, but I was making mid-five figures plus had husband's VA pension and SSDI coming in, and even with that add'l insurance, I couldn't cover his medical bills.</p><p></p><p>I refinanced my house to get money to pay off some of the medical bills and then lost my job 4 months later and couldn't make the house payments. Couldn't find another job as at the time there was no demand for middle-aged IT workers. My job went to India and I was basically stuck.</p><p></p><p>Once husband died, I lost his VA pension and his SSDI. My personal ins through COBRA was a PPO, no HMO available, and I had to pay 20% of medical bills up to one million dollars before I "capped"...we had a one million dollar lifetime coverage through the PPO. After that? I was hosed.</p><p></p><p>And when you call to make payment arrangements, they sure aren't willing to take 75 a month on 200K in bills.</p><p></p><p>People tend to have this attitude that people who file BK are irresponsible, but we had no credit card debt, our car was paid for, but my savings and 401K were wiped out by the debt.</p><p></p><p>I really had no option but to file. My credit is still wrecked. I got no ins from husband because when they privatized SLI they dropped husband in a heartbeat, and my work ins wouldn't cover him due to his health issues (pre existing medical)...it turned into a huge nightmare.</p><p></p><p>I went from having a nice house to living in a ratty mobile home in N. WI. I live on SSDI and a VA Widow's pension(that took 4 years to go through).</p><p></p><p>I manage OK, but it's sure not the life I thought I'd be leading.</p></blockquote><p></p>
[QUOTE="GoingNorth, post: 342407, member: 1963"] It's a horrible situation. I wasn't rich, but I was making mid-five figures plus had husband's VA pension and SSDI coming in, and even with that add'l insurance, I couldn't cover his medical bills. I refinanced my house to get money to pay off some of the medical bills and then lost my job 4 months later and couldn't make the house payments. Couldn't find another job as at the time there was no demand for middle-aged IT workers. My job went to India and I was basically stuck. Once husband died, I lost his VA pension and his SSDI. My personal ins through COBRA was a PPO, no HMO available, and I had to pay 20% of medical bills up to one million dollars before I "capped"...we had a one million dollar lifetime coverage through the PPO. After that? I was hosed. And when you call to make payment arrangements, they sure aren't willing to take 75 a month on 200K in bills. People tend to have this attitude that people who file BK are irresponsible, but we had no credit card debt, our car was paid for, but my savings and 401K were wiped out by the debt. I really had no option but to file. My credit is still wrecked. I got no ins from husband because when they privatized SLI they dropped husband in a heartbeat, and my work ins wouldn't cover him due to his health issues (pre existing medical)...it turned into a huge nightmare. I went from having a nice house to living in a ratty mobile home in N. WI. I live on SSDI and a VA Widow's pension(that took 4 years to go through). I manage OK, but it's sure not the life I thought I'd be leading. [/QUOTE]
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