I Had My Kidney and Gallbladder Removed. How Do I Deal With the Debt? – Crystal

“Dear Steve,

I have a lot of medical bills, I had my Kidney and my gallbladder removed and 6 months later my kidney…I was working before all of this but I don’t have that job anymore. I got those surgergies done and it took me a year for me to find another job and now I only work one day a week. I don’t have a car and trying to get one, Im trying to figure this out. This debt is a lot.

How do I get out of this?


Dear Crystal,

Well the good news is you are healthier now.

As far as how you can deal with the resulting debt, I think the math is pretty clear here. You appear to have limited income and limited resources. There is no realistic expectation you will be able to resolve the debt with anything other than someone paying it off for you or legal intervention.

Without sufficient income from working, it makes no sense to begin a repayment program.

When it comes to legal intervention the logical solution would be a chapter 7 bankruptcy. You can click here to find a local bankruptcy attorney you can talk to for free.

It sounds like you may be eligible for some financial benefits as a result of your situation. You should run through the qualification calculator at the Benefits.gov website.

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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