I am navigating $350,000 of medical bills and $20,000 of student loan debt. What should I do?

August 27, 2015
They have long gone to collections. Former orphan, no family support, suffered an 8-yr break up which led to being homeless for 2-yrs, depression, diagnosed with lupus Nov 2010, BA in theater Aug 2009, worked nonprofits & under-the-table at $200/wk for 60-80hrs, lupus nephritis (destructive inflammation in kidneys) May 2013, applied for...

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CCCS of Buffalo , Inc. (NFCC)

CCCS of Buffalo , Inc. (NFCC)

NFCC Certified Credit Counselor

Hello there, I am so sorry to hear of your medical problems and recent history. I wish you the best in the future. I would strongly advice meeting with a certified credit counselor at a non-profit organization located near you. You can visit www.nfcc.org in order to do so. If the location is too far, most organizations will offer a phone consultation. They will be able to lay out all of your options and give you their best advice.Good luck!Robby DunnCertified Credit Counselor

You should consult a bankruptcy attorney. Period. End of Story.

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When it rains it pours and you are soaked from way too much rain on you! It pains me when I hear of tales like yours. The issues you are facing requires professional help and are not well suited to help on the internet. I would contact a bankruptcy attorney in your area. In your situation, there is virtually no way that you could ever pay those bills.

Best to you!

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I am sorry that you have had all these things happen to you. Glad to hear that the Affordable Care Act provided you with current coverage.

Three things I'd like to share for you: Statute of limitations for your state, charity care applications (even retrospectively) and submitting a consumer statement to the credit bureaus. Before you contact the collection agencies directly check the statue of limitations for your state here. Scroll down to the links for When Is An Old Debt Too Old? www.consumer.ftc.gov/articles/0117-time-barred-...