I just joined today..finally! I have an enormous amount of medical debt. I made the very immature mistake of basically ignoring the bills, plain and simple. Because of this choice, my credit is back down to the mid 500's. My husband and I declared Bankruptcy 5 years ago as a result of both of us losing our careers, within seven weeks of one another. We lost everything. I mention the devastation of job loss, Bankruptcy, because I get told to "claim BK" quite a bit when I talk to Debt relief companies, such as Lexington Law. They have told me "Your debt is only medical and it is too high for us to help you, therefore, the only suggestion we can offer you is Bankruptcy. Since you do not own your own home anymore, a loan is out of the question. We see your Husband is a Veteran of the Military but only for four years, so no collectable benefits. He also is receiving a pension and SSI/Disability, yet again, we cannot borrow against that, best of luck to you." That company is the last one I tried to attain help from, five months ago.
I am just going to be straight to the point: Does ANYONE have experience with my situation?
Can anyone give me true, solid advice?
Thank you in advance for any suggestions, advice and help.