Hi there. It’s been a while; I’m still here.
I think I have written many times about my toxic financial situation post diagnosis of Cowden Syndrome and Lhermitte-duclos Disease. For the sake of time, I’ll try to snapshot it here:
- I’m in debt over $20,000 on my credit cards as I have been forced to live on them, since I can no longer do what I once did for employment.
- I have kicked around this idea for months, the bankruptcy idea. I have prolonged it as long as I could because my ego and credit score. 🙂
- I also owe over $35,000 in student loans (you know, the whole career thing I had planned before having 2 brain surgeries, et al.)
I called one of my creditors this morning to find out about any hardship programs they offered. Currently, my monthly payment is $395. Guess what program I qualify for with them? A 5 year program with a monthly payment of $370.
Am I missing something here?
So, bankruptcy is next. I have an appointment the end of February to see an attorney to just get this done and over with. (NOTE: The filing fee for bankruptcy is $1875.)
So, if you happen to see or hear from me and I am riddled with anxiety, or so depressed I cannot get out of my bed, or I’m distant or just seem off – please know it’s because life is a lot right now. It is literally costing me money to live – and I am going deeper in the hole every moment of every day.
Pretty grim right now for me, tbh.
Thank you. Until next time.