Here is the basics of my story, I will try to keep it brief.
My Son had a kidney transplant in 1995 when he was 4 years old.
Medicaid and Champus covered the cost of the transplant (I was in the Navy at the time). He is doing well 15 years out.
Even thou he is not longer in school he has remained on my benefits from my job. No one has ever asked about his status until now. We have all received letters from and accounting firm that is doing a dependency audit and they have asked for collegiate enrollment records, class schedules, etc.
Since he does not meet any of the qualifications to remain on my benefits, I am going to take advantage of the amnesty period and report him so I don't get stuck with any past bills or jeopardize my employment.
His anti-rejection meds run about $2900 a month with out benefits, he also has two physicals a year that include biopsies of the kidney. These appointments with out benefits cost about $11k each. Medicaid will not cover maintenance drugs two years after transplant.
I can afford to pay this bills out of pocket if I can get rid of my unsecured debt. I had an 80K HELOC that got cut out from under me right in the middle of tons of work being done on my 60 year old home. Plumbing, electrical, roof, boat dock, etc. I had no choice but to use convenience checks to pay the contractors.
I am current on all my debt and make more than the minimum payment on most of them.
Maybe there is an option I am not aware of, but here is the ones I can see:
1. Write my creditors and tell them about my situations. I am sure most of them would choose their sons life over paying unsecured debt, but they would never admit this. Does corporate America have any compassion or would I be wasting my time?
2. Stop paying the bills and bury them in paperwork until the SOL is up? (4 years here in Florida). Since I have been dealing with insurance companies and medical/doctor bills for the last 15 years I am pretty familiar with FDCPA and have successfully settled lawsuits against debt collectors for FDCPA violations. Not one of the 13 collectors on my credit report had made the required $50k cash bond to collect in the state. They knew before we stepped into chambers they were going to lose as soon as the Judge asked the clerk to check their bond.
Would a Judge side with a bill collector and allow a garnishment knowing that I would no longer to be able to afford my sons meds, and he will die with out them?
3. File a straight up chapter 7, explaining that I need the 5k a month I now pay my unsecured debt with to save my sons life?
Something has got to give. I can not pay for the meds and pay my debt.
He just had his check up this month and we are going to get 3 months worth of scripts filled before he gets removed from my benefits. I have about until June to make a move...
I just don't know what that move is.
My Son had a kidney transplant in 1995 when he was 4 years old.
Medicaid and Champus covered the cost of the transplant (I was in the Navy at the time). He is doing well 15 years out.
Even thou he is not longer in school he has remained on my benefits from my job. No one has ever asked about his status until now. We have all received letters from and accounting firm that is doing a dependency audit and they have asked for collegiate enrollment records, class schedules, etc.
Since he does not meet any of the qualifications to remain on my benefits, I am going to take advantage of the amnesty period and report him so I don't get stuck with any past bills or jeopardize my employment.
His anti-rejection meds run about $2900 a month with out benefits, he also has two physicals a year that include biopsies of the kidney. These appointments with out benefits cost about $11k each. Medicaid will not cover maintenance drugs two years after transplant.
I can afford to pay this bills out of pocket if I can get rid of my unsecured debt. I had an 80K HELOC that got cut out from under me right in the middle of tons of work being done on my 60 year old home. Plumbing, electrical, roof, boat dock, etc. I had no choice but to use convenience checks to pay the contractors.
I am current on all my debt and make more than the minimum payment on most of them.
Maybe there is an option I am not aware of, but here is the ones I can see:
1. Write my creditors and tell them about my situations. I am sure most of them would choose their sons life over paying unsecured debt, but they would never admit this. Does corporate America have any compassion or would I be wasting my time?
2. Stop paying the bills and bury them in paperwork until the SOL is up? (4 years here in Florida). Since I have been dealing with insurance companies and medical/doctor bills for the last 15 years I am pretty familiar with FDCPA and have successfully settled lawsuits against debt collectors for FDCPA violations. Not one of the 13 collectors on my credit report had made the required $50k cash bond to collect in the state. They knew before we stepped into chambers they were going to lose as soon as the Judge asked the clerk to check their bond.
Would a Judge side with a bill collector and allow a garnishment knowing that I would no longer to be able to afford my sons meds, and he will die with out them?
3. File a straight up chapter 7, explaining that I need the 5k a month I now pay my unsecured debt with to save my sons life?
Something has got to give. I can not pay for the meds and pay my debt.
He just had his check up this month and we are going to get 3 months worth of scripts filled before he gets removed from my benefits. I have about until June to make a move...
I just don't know what that move is.
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