Here's my issue. I don't have a "decent" health insurance plan, its an individual policy that is no good at all! Well I have a lump in my breast that I will eventually take out, its not pressing but its been paining me lately. Also, I'd like to have another child. I have a 5 year old daughter that I had with no insurance, which is the reason I have $20000 worth of medical bills included in my plan. What do you all suggest? Is there any other insurance that I can get that will pay for my surgery and also the birth of my child. My attorney has included $140 for medical insurance in my plan. I want another child but don't want to be stuck with $20000 more in medical bills WHILE in Chapter 13 bankruptcy....
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How far are you into your Ch 13?Disclaimer: Young, NOT Dumb.(._.) The plan: $480 monthly for 60 months at 100%. 07/12/08
Motion to Discharge: FILED!! 08/07/13
60 down/0 to go \m/(*.*)\m/ 100% complete! -
Well I haven't actually "filed" yet, will file July 2, 2010. Still in the "gathering docs" stage!Comment
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That date has already passed, do you mean 2011?Originally posted by justbaby View Post
Could you get pregnant now and then wait until after the next baby is born before filing?Filed Chapter 13 on 2-28-10. 341 completed 4/14/10. Confirmed 5/14/10. Lien strip granted 2/2/11
0% payback to unsecured creditors, 56 payments down, 4 to go....Comment
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O, sorry, July 22, 2010. I wish I had that much time...my home is in active foreclosure now. So filing NOW will allow me to save my home!Comment
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Is the foreclosure the only reason you're filing for ch.13? Would it be possible to pay your arrears in your ch.13 and then dismiss and file a ch.7 to discharge your medical debts (including new debts incurred from a 2nd baby)?
I'm not sure if this is even possible, maybe someone else can chime in????Filed Chapter 13 on 2-28-10. 341 completed 4/14/10. Confirmed 5/14/10. Lien strip granted 2/2/11
0% payback to unsecured creditors, 56 payments down, 4 to go....Comment
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Pretty much the main reason I'm filing AND to get back on track financially. Everything was spiraling out of control! Now after reading these forums and making the decision to file, I know that my life will be much better now! (financially)Comment
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I will say that having a baby while in BK is very difficult. You will likely have to file a modification after the baby is born and medical expenses are going to be yours to foot. I found out I was pregnant two weeks after filing. It can be done it just makes an already difficult undertakings even more so.
Good luck.Disclaimer: Young, NOT Dumb.(._.) The plan: $480 monthly for 60 months at 100%. 07/12/08
Motion to Discharge: FILED!! 08/07/13
60 down/0 to go \m/(*.*)\m/ 100% complete!Comment
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I think Momofthree's post would be good to keep in mind, as a worst case scenario. If nothing else worked - you could dismiss and later refile. Refiling would allow you to include medical bills if you had new ones after the initial filing.
On the other hand - if you're able to find employment that would match your current income AND provide medical insurance, that would be the best case scenario. May not happen - or not be something you can count on right now. But in time, who knows???Get mortgage modified: DONE! 7 months of back interest payments amortized, payment reduced over $200/mo
(In the 'planning' stage, to file ch. 13 if/when we have to.)Comment
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Thanks for the input. My goal is to find DECENT health insurance that will be $140/month and cover most of my medical expenses..I was screwed before with a very sorry insurance company!Comment
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