Best of luck in '06! I hope everything turns out OK.
If it comes to that, yours is the perfectly understandable and acceptable situation for bankruptcy. Even so, from reading your post, I'd guess you're the type who would simply file for an extended payment plan...not to stiff your creditors.
As stated here before, the bankruptcy scourge is caused by people who live hand to mouth, never providing for a rainy day. They may say the rainy day is "medical"...but it's really a cumulative result of their poor past decisions.
Thank you for the well wishes.
And you made my point much more succinctly, thank you.
Your right I won't stiff the creditors, these are my debts to pay if I get that extended. But that is not going to happen in my case.
What you said!
Puuuuhhhlleeezzzeee. My wife became disabled after a car accident. Previously we had been putting away 10% in retirement/investments and had no credit cards bills.
Replacing her income on my own AND paying the unbelievable medical bills (copays etc) has simply been impossible.
I took a second job, we moved to a smaller home, I drive an 8 year old car. The ends still don't meet. I'll NEVER file bankruptcy but I'll bet alot of people in our situation would.
You holier than thou folks should walk in my shoes for awhile.