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NIGHTMARE after Chapter 7 discharge

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    NIGHTMARE after Chapter 7 discharge

    My husband and I filed Chapter 7 back in December of 2008 and were discharged in March of 2009. My husband had broke his foot just five days after our 341 meeting and was out of work due to this injury. He needed surgery and eventually physical therapy and recovered at the beginning of June of 2009. This injury was covered under an occupational accident policy he had.

    Approximately 3-4 weeks before he thought he was going to go back to work, his throat swelled up really bad and was as hard as a rock. His voice was hoarse and he couldn't swallow or breathe or sleep right anymore. It was really scary to look at. Since we had no medical insurance, we went to the ER. Even the doctors there freaked out and didn't know what was wrong. To make a long story short, they did a needle biopsy on his thyroid and you guessed it. It was cancer. Apparently, a very rare one at that. He was diagnosed with primary thyroid lymphoma. According to the endocrinologist, there is only one case per 2 million people in the US who get this cancer every year. We literally had a better chance of winning the lottery. His doctor wrote up a case report on him.

    The stress has been unreal. I mean, we really thought we were going to get our life on track and then, wham, before the dust settled, we get hit with the injury and now this. Life really started to seem unfair. All those payments to the credit cards trying to pay them off while doing without so many things. We will NEVER put unsecured creditors ahead of us again. Priorities are priorities now, and that's that.

    Fast forward seven months after diagnosis. The good news in all of this mess is the scan after the chemotherapy is clean. Thank God!!! We also finally got the confirmation from the hospital that he has been approved for full charity care sponsorship. Now we can breathe a sigh of relief that the hospital won't be hounding us for payments that there is no way we could ever afford. The hospital bill alone was $95,000!

    We are glad 2009 is behind us. We're crossing our fingers 2010 will be a much better year.
    Filed Consumer Chapter 7 12/18/08
    341 meeting 1/15/09

    No-asset distribution report filed 1/20/2009
    Discharged 3/23/09

    #2
    I hope you have a better year
    May 31st, 2007: Petition Filed by my lawyer
    July 2nd, 2007: 341 Meeting Held
    September 4th, 2007: Discharged and Closed.

    Comment


      #3
      Originally posted by NewDawn View Post
      We will NEVER put unsecured creditors ahead of us again. Priorities are priorities now, and that's that.
      I totally agree. Keep a roof over your head, food on the table, and gas in the car. Everything else comes after that.

      Good luck with everything.
      All information contained in this post is for informational and amusement purposes only.
      Bankruptcy is a process, not an event.......

      Comment


        #4
        Thank you for sharing your story. Not only does it demonstrate successfully conquering life hurdles, it also benefits many who foster "what if" BK fears. Life is in flux and none of us have magical crystal balls. Thankfully, we have the strength to persevere. Deciding to file BK, for many, is a challenge. While some may feel this exemplifies failure, I believe the contrary...it demonstrates strength, power, and control. As life throws curve balls, we can reflect on our past successes and draw from former strength. BK serves as a building block for success while it grants us the opportunity for perspective.

        A huge congrats to you and your husband for overcoming a statistically uncommon set of circumstances! Wishing you continued success, health, and happiness!
        *Filed: September 23, 2009 *341: November 4, 2009 *Discharged: January 4, 2010 *Closed: January 20, 2010

        Hakuna Matata...it means NO WORRIES!

        Comment


          #5
          Great to hear that the bills will be taken care of.

          Comment


            #6
            What a story. You are very strong during all of this. I am wishing you a wonderful 2010 after the rocky days before this.
            (first 341 10/14/09, cont'd 341 10/23/09) (12/14/09 last day to object) (341 Shows HELD w/tt report of no distribution 1/9/2010)
            :clapping Discharged 1/25/2010 Case Closed 3/11/2010:D

            Comment


              #7
              As I read your story, my heart ached for you but what a wonderful ending. You have been through a lot. I am so glad to hear about your husband's recovery and the gifting from the hospital. I am a believer that God does not give us more than we can handle. In your case, I believe God handled it for you.

              Blessings to you and your husband in this New Year and always.
              Filed Non-Consumer Chapter 7: 07/31/2009
              341 Hearing: 09/03/2009
              Last Day for Creditor's Objections: 11/02/2009
              Discharged! 11/03/2009 CLOSED! 01/05/2010

              Comment


                #8
                Thank you for all the warm replies. It has been tough, but somehow we're making it through. Yes, I do strongly feel that God has played a hand in this. I have no doubt about that, though I did have many doubts along the way.

                Hopefully many people can draw some strength from our story. I think God was trying to tell us that health and family are to be treasured.
                Last edited by NewDawn; 01-11-2010, 04:58 AM.
                Filed Consumer Chapter 7 12/18/08
                341 meeting 1/15/09

                No-asset distribution report filed 1/20/2009
                Discharged 3/23/09

                Comment


                  #9
                  I officially got the approval letters in the mail from the hospital. I have known for some time that the hospital had approved us for financial assistance, but it still feels SO much better to actually have the letter in writing that states: "Your entire hospital bill has been approved for financial assistance and your balance is zero."

                  All but one of the separate doctor bills for those stays has written their bills off as well, as they honor/match whatever the hospital provided in the way of financial assistance. Since we got approved for the entire amount, they wrote off the entire amount as well. Life is getting better.


                  Thank GOD!
                  Filed Consumer Chapter 7 12/18/08
                  341 meeting 1/15/09

                  No-asset distribution report filed 1/20/2009
                  Discharged 3/23/09

                  Comment

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