Question:
Dear Steve,
I am a disabled combat veteran and I am also a victim of four people beating me up kicked with steel-toed boots nearly 20 times in the face where I needed to get plastic surgery and four titanium plated in my cheekbone and orbit of my eye.
I have recently lost my job, apartment, fiancé, truck, mental and physical health. I see a shrink twice a month and councilors twice a week 15 medications and can barely leave my parents home with panic attacks I also suffer insomnia panic attacks and anxiety manic bipolar depressive disorder and more.
I get benefits but it’s very small and not enough to survive on. My parents won’t be around forever and I’m 39 with nothing no home vehicle have 75k medical bills I see no way out of because I am hungry at the end of each month and can’t afford these bills plus I am an identity theft victim.
I just don’t see any way out of my situation and don’t know where to turn or what to do.
I can’t work I was institutionalized four times and also four suicide attempts. What’s your advice I really need financial help or advice on a way to earn or receive money in my condition and position
Is there financial help out there to help me get over all this stress so that I can focus on healing. This is all stress in my life and making things worst.
Jude
Answer:
Dear Jude,
It seems clear you are dealing with two big issues. One is the struggles you face in life around your mental health treatment. That is the most important issue.
Once you get your mental health stabilized so you can recover then we have a firm foundation to build on.
Until then I would not worry a bit about the debt and if you get sued or threatened and can’t handle it you should strongly consider closing the door on the debt-to-date and talk to a local bankruptcy attorney.
You can click here to find a local bankruptcy attorney and talk to them for free about your specific situation. Get the facts and then you can make an informed and educated decision if bankruptcy is right for you.
Filing bankruptcy will eliminate the financial stress you are feeling and allow you to focus on getting better to face life.
You have certainly been through a tremendous amount of trauma and struggles but we can’t begin to repair the future if we can’t close the door on the past struggles.
And don’t worry about bankruptcy. You can file bankruptcy, repair your credit, have exceptional credit again, and do better financially.
But logically, getting your debt under control without tackling the mental health struggles is going to be a horribly incomplete solution.
My advice is to close the door on the debt you can’t handle, focus on getting better, and then do better moving forward once you find a stable life position to rebuild on.
This is your best shot of finding a happier life.
You are not alone. I'm here to help. There is no need to suffer in silence. We can get through this. Tomorrow can be better than today. Don't give up.
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