I Nearly Died. I Was Unemployed for 15 Months and Now That I’m Better I’m Being Sued for Past Debt. – Josh

“Dear Steve,

I spent the better part of two years going to county Contract Doctors and the ER complaining of memory problems, shakes, dizziness and headaches. I was always diagnosed as sinusitus. I would take pills and feel bad again when they cleared out of my body. On Feb 26, 2010 I had an aneurism rupture in my brain; i was rushed to the county hospital and then paraflighted to Oklahoma city where, two cerebral aneurisms were coiled and I spent three weeks in the hospital.

I am thankful to have my life and function. I spent 15 months unemployed and trying to recover. I started back to work three weeks ago and today I had a summons on my door for 11k. Like many my insurance was lost when the economy downsized my job of four years and I am now faced with loosing what I have in life due to over 50k in bills that I cannot pay. I am 32 with no assets.

Do I have any options? The county has turned me down for any assistance programs and the state will freeze my income and garnish my checks. I will loose everything if this happens.


Dear Josh,

You are lucky to be alive. Let’s bring your financial life back to life as well.

At this point, considering your medical situation and the impact continued stress might play on your body I would suggest that you opt for a legal fresh start and talk to a local bankruptcy attorney about filing bankruptcy to discharge that past debt.

It sounds like the debt that built is not easily repaid and there is no current expectation you will be able to repay the debt and make ends meet.

Bankruptcy is a legal solution to unmanageable bad debt. In your case it makes logical sense to focus on moving forward from this point rather than trying to repair the past that is already behind you.

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Years of experience has shown me it is always better to take proactive action and get out in front of these things and at this point we need to focus more on getting you stable moving forward.

Please post your responses and follow-up messages to me on this in the comments section below.


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.

Damon Day - Pro Debt Coach

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