Long couple of months

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Regular Member

Date Joined Mar 2009
Total Posts : 96
   Posted 9/6/2009 11:03 AM (GMT -6)   
You all probably thought I fell off the face of the earth. I am still here fighting, getting up everyday, and pulling along. I am sorry I havent posted in awhile. I dont remember when I updated everyone. I have found a pain management doctor who I hope I can trust. I went thru physical therapy and it helped a little bit. The PT told me my muscles around the T10 vertebrae are spasming and there is a lot of scar tisssue from the surgeries. I had 3 facet joint injections 2 weeks ago, it hurt like *&^%*. The pain returned 2 days ago. I couldnt handle the cymbalta or any of the NSAIDs (mobic, celebrex, naprasyn or ibuprofen) My stomach became so bloated I ended up in the ER because I couldn't stop burping and acid reflux and all other things. The PMD is nice and he listens to me and he knows I am nervous everytime I walk into his office. I am working a lot trying to pay the bills. My husband and me are fighting about the money situation. I have no luck, I don't know how the bills are going to get paid. Has anyone ever went thru a credit relief program or filed bankruptcy? Due to my income, I can only file Chapter 13 and my husband wont file with me. I want all this over. I am sick of doctors but I know this PMD is in for the long run with me. The pain will never go away and I am learning to accept that. If I could just settle the accident pay the bills and get a normal life not working all the time taking care of my girls go to a gym couple times a week have dinner once in awhile on the weekends and so on and on. Any advice about finances? I want my life back and if my husband doesnt want me I need to fix my life so I can move on with or without him. I have vented.
cshelp confused

Mrs. Dani
Veteran Member

Date Joined Jun 2009
Total Posts : 2787
   Posted 9/6/2009 1:02 PM (GMT -6)   


   Dear CSHelp,

     Good morning *huggs* It is good to hear from you again. I am very glad to hear you like your new pain management doctor. It must be a huge weight lifted off your shoulders. :-)   You have so much going on already!

     I never went through a relief programm or bankruptcy. But!! When I married my husband, I soon found out just how much it costs to go to school for so many years... 7yrs later we have finally paid it all off by "settling" and paying excess taxes. Also, by "early pre pay" and eating the penelty fees.   rolleyes    I am sure there are easier and faster ways to go about it. But even in bankruptcy, some types of debt cannot be added in ...student loans. confused   So, maybe, someone will come by with a better ideas / experiences.

     You have so much going on. I do not know how you deal with so much and yet stay so focused. I wish I had your drive! There are times I wish I could give myself a swift kick in the #2. 



TWO roads diverged in a yellow wood,  
And sorry I could not travel both  
And be one traveler, long I stood

Forum Moderator

Date Joined Feb 2003
Total Posts : 16779
   Posted 9/6/2009 2:52 PM (GMT -6)   

Hi CS and welcome back. I am so glad to see you posting again. I am sorry you are still having such a hard time and the injections seemed to not help much. You know thats the trouble with those injections, they hurt like the devil having them done which adds to the pain level, and rarely do you ever hear of someone getting relief. My first pain mgt dr said he would never recom them to his patients because most of the time they don't work, said it way for the drs to pad their bills. I thought that was pretty interesting coming from a pain mgt dr,.

I will be of no help to you on the financial situation except be extremely careful of those credit repair companies. So many of them are nothing but scams. So do your homework, check them out with the Better Business Bureau. Bankruptcy is a whole different piece of pie. I know how each ones works and for some its the only way to get things back on track. Just be sure to pick an atty that handles bankruptcy ony if you decide to go that direction.

You spoke of wanting your claim settled. I did alot of personal injury claims when I worked. Just remember that once you sign the Release of all Claims you are relieving the other party and their insurance of any future  liability to you. Its always in the person's best interest to be pretty much finished up with their medical care and treatment before attempting settlement of a claim. Each state has whats called a "statute of limitations" which means the claim must either be settled or suit filed in the proper court before ths statute date runs. Some states have a 1 yr statute and some have a 2 yr statute. If you have an atty working on this then he knows all about this.

Anyway, wanted to stop by and say hello. Keep us posted on how you are doing.


Moderator Chronic Pain
crohns disease dx 2002 & small bowel resection, still looking for remission whatever that is, chronic pain 22 yrs, added ulcerative colitis 6-05 to the mix, high blood pressure 28 yrs, aortic heart valve insuffiency, depression, osteoarthritis, osteoporosis lumbar spine, scoliosis lumbar spine, peripheral neuropathy hands & feet, COPD & on oxygen therapy, lupus & decreased circulation in both legs. Several other health issues just not enough room to list it all. Too many surgeries to list and too many medications to list. Currently on 16 different daily medications. Intrathecal pain pump implanted June 05.

Veteran Member

Date Joined Aug 2006
Total Posts : 9664
   Posted 9/6/2009 3:10 PM (GMT -6)   
Susie gave really good advise, wish I had some too...
but will offer up prayers and lots of soft hugz....
Texas gives 2 years to settle or file...
* Asthma, Allergies, Osteoarthritis, Spinal Stenosis, Degenative Disc, Fibromyalgia, Gerd,
Enlarged Pituitary Gland, Sjogren's and Ocular Migraines


Elite Member

Date Joined Jul 2009
Total Posts : 14475
   Posted 9/6/2009 3:10 PM (GMT -6)   
My sister in law filed bankruptsy without my brother being affected. My sister who just got married filed on her old debts lefted over from her previous marriage.

I'm sorry your husband is giving you trouble. Money worries is one of the leading causes of marraiges ending the stress is just too much.


Regular Member

Date Joined Mar 2009
Total Posts : 96
   Posted 9/6/2009 7:54 PM (GMT -6)   
Dani, thanks for the hugs, every bit help. I know all about student loans, I have been a RN for 12 years and started paying them back, they wouldn't defer the loan for another year, people can be evil.
Susie--I hav an attorney and she is nice but I never thought I would get to this point in my life, I am going to be 39 years old on the 22nd and my life should be just starting or I might be wrong but I will be careful. I will talk to my other attorney about settling the case from accident, in Nov it will be two years, here in WI you can wait for 3 years, he knows I am going thru financial troubles and said whenever I wanted to settle to just call.

the injections did hurt but helped for 2 weeks and now I have pain in different places and now the paranoia starts, I had problems with the last thre PMD and I dont want him to think I am playing games, I do have a sense of feeling OK since he put me back on the vicodin TID and flexiril but I know I am going to have to take it the rest of my life with the arthritis in that disc but we will see, he wants to inject me two more times and if I allow him he is going to have to drug me because my BP was so high when I left I thought I was going to have a heart attack and he did know how much he was hurting me and felt bad

chartreux and Joy thanks for the support


Veteran Member

Date Joined Nov 2007
Total Posts : 6795
   Posted 9/6/2009 11:26 PM (GMT -6)   
Hi, Cshelp,
Just wanted to offer some support while you're going through all this. I haven't officially filed for bankruptcy, but have an attorney working on it. I'm about 20 years older than you, but it still feels the same - like we're being robbed of so much in life by CP and all it brings with it.

We have to do what we have to do to get through it. Thankfully, there's lots of support here, so we don't have to go through it alone.



Veteran Member

Date Joined Jul 2009
Total Posts : 2042
   Posted 9/6/2009 11:31 PM (GMT -6)   
I totally concur on being careful about those credit repair places. I am sure there are legit ones out there, but likewise there are those that either border on scam or are total scams.

Sometimes an attorney can do as much for you about renegotiating debts as much as anyone else.

Also as far as bankruptcy goes, you will have to talk to a knowledgeable lawyer about that and find out if you can file alone and how it may or may not effect your husband's credit rating. State laws vary on this. We wound up filing 4 years ago, and all in all it was a positive experience. We were treated with respect by everyone from our attorney to the courts. While it was some what humiliating we ended up backed into a corner by our creditors, (medical bills accounted for 90% of our debt) and had little choice but to file since no one wanted to really work with us.

One creditor did send a rep to our court hearing and the judge actually laughed in his face when he protested us filing and being granted bankruptcy. He said they attempted to work with us but we were simply trying to get out of our bills. The judge asked him what "working with us" meant and he said they were originally willing to accept $1500 a month payments and then dropped it to $1000 a month payments. All of this on a documented $2000 a month net income.
2 confirmed herniated lumbar discs. Spinal Arthritis. Spinal Stenosis, diabetic peripheral nueropathy.

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