I'll tell ya, folks--once they got ya down, they just keep on poundin', no mercy.
A year or so ago I had to assign all my old debts to an agency called Credit Solutions, because with the expense of MS diagnostics and treatments, I simply had no money to continue monthly payments. Herein the old credits cards are, of course, closed, and new interest supposedly does not continue to accrue.
Nonetheless, I have today received a summons to appear in court by one of these old creditors. They are suing for the amount owed plus interest.
They don't seem to like the idea of the credit solutions route.
This is disheartening, frightening, and stressful for me. The idea of appearing before a court as a deadbeat is not appealing. Where will the money come from? Am I supposed to stop all treatments, discontinue visits to the neurologist, forgo any further MRIs? Sadly, even were I to take those steps, there would still be no money, as we are still paying on the MS bills so far incurred.
Add on top of this the hospital cost for my recent surgery for kidney stones. I don't know yet what the insurance will pay, but the straight, unadjusted bill so far is $13,000.
It may as well be 13 million.
These are the financial, the morale effects that come with MS--those that lurk like storm clouds on the periphery of the day to day struggle--just living with the disease. These are the locks on the chains, the electric fences, the surplus in reality that says No, you are NOT going to be okay after all. Because of MS, you will be hunted not only by symptoms and relapses, but by poverty and legal action.
Life is hard, right? Life's a bitch, and then you die. We've heard it over and over, and yet somehow, deep down, will not believe.