Accident Disabled Designer Seeks Help For Relief Of Medical Expense Debt
by Jerry Fisher
(Redlands, CA, USA)
I need help as a result of an accident (bicycle versus automobile) in which I was the bicycle.
The head-on collision left me with over 10 fractures in my left hip, lower back and left leg.
I have spent all my savings including my IRA and still have over $100,000 to pay for medications and doctor bills through credit cards and credit lines.
My insurance company will only let me have the minimum coverage. I have been living with a condition known as RSD, or Reflex Sympathetic Dystrophy, which is very painful.
I have had to try and live on dangerous medications such as Morphine and it has helped with the pain but I am not able to work any longer.
I have worked part time in my Design Business, which has been going for over 30 years, but have come to learn through my doctor that I am only making it worse.
I had been receiving partial disability through my insurance company NML for 19 years but costs have risen to the point that I have no more funds with which to pay my expenses.
I rent a home, my car is over 8 years old, and I live a very private life, because nobody wants to be around me because of my injuries.
At one point I was in the hospital every four months for three years to have hardware fixed or exchanged.
The original doctors that performed the trauma surgery had made such a mess of things that I ended up in a malpractice case, which I won, but was not awarded a dime. (They felt I would return 100%.)
I had to go through over 12 hours to redo everything that had been done wrong and that turned out later to be the cause of the RSD.
Any help I could receive would be greatly needed. I have a small income, which is not more $600 per month, but Chase bank is now threatening me for not repaying my debt of over $60,000.
As time goes on, the only thing I will be able to do is file Chapter 7 bankruptcy and end the whole thing.
I am proud to be an American and until now, I have always been able to stay ahead of the financial burden. But now it has caught up with me and I have no idea where to go.
I have tried consolidation companies, but I could do better than they could, and settlement companies will help but at a cost.
I know if I can slow down my health will improve and I can lower the medications so that the cost will drop. But until then, I really don't know where to turn.
Thank you for this chance to write this letter. I realize that I am not the only one in this condition.
I have been able to survive for 19 years… until now. I hope there are better means of help out there and I pray that someday it will end.
Thank you for letting me write this story. It is no so different from others but the time I have tried to stay afloat has run out. Sincerely, Jerry Fisher.
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