Please help

 

I've been struggling for a long time, since early 2019 to be exact, but I've always pulled myself out of the physical, medical, financial and emotional hole that's been in front or behind me. What strength and sanity I had left to fight is gone and I am trapped. Literally stuck.

 

January 2nd 2019 - divorced

January 4th 2019 - my grandma passed away

January 6th 2019 - my grandpa passed away.

I took a FMLA leave from my job for that month. During my leave there was a shift in management at my store and when I came back we had a new department manager who did not like me from the start.

 

June of 2019 I got strep throat and woke up with my entire left side paralyzed & was rushed to the ER. I spent a few weeks in the hospital and a nursing home. I racked up nearly $140,000 in medical bills. I was released from the nursing home for mistreatment, starvation & neglect. Due to that I obviously didn't have the ability to heal to the full potential.

 

I started doing physical therapy to regain my strength for the next several months, it was 2 hours a day 4 days a week and it took my body nearly 36 hours to recover from each session, but I did it. When I was finally released from my medical team and my physical therapist to go back to work so that I didn't lose my job I was informed that we had a new HR manager which was why all of my paperwork, including insurance fell through the cracks. This was an old manager of mine that had harassed me so badly at my old store that I was granted a promotional transfer. Needless to say, she did not make it easy to return to work. I fought with her for 6 weeks and it wasn't until I got corporate HR involved that I was allowed to return to work at the end of December with restrictions in place. I was clearly not welcomed there but it's been my job for 7 years now and managers come and go often, itd just be a year of chaos. Well... fast forward to just 3 months later in March of 2020 with covid and we all get furloughed. The HR manager used covid as a reason to not bring me back so even though I'm still employed by them, I haven't worked since March 17th 2020. They won't fire me because of disability and I lose all upper hand if I willingly quit.

 

Regardless, I can't work at this stage of my life. In August - October of 2020 I had 4 back to back surgeries. With everything that happened at my job, there was a lapse / reactivation with my insurance. Most of the procedures, follow ups and medications were covered, however the anesthesiologists, hospital stays, IVs, fluids and care teams were not. I racked up another $182,000 of medical bills.

 

Shortly after my last surgery I had to start seeing specialists for my annuals. Autonomic, neurologist, vascular institute, rheumatologist, endocrinologist, cardiologist, gastroenterologist, internists, podiatrist, pain specialist, dermatologist, infectious disease specialist and more. My migraines were the worst they'd ever been and because of having chronic ones for 16+ years while trying 9 different medications I qualified for botulism, Botox injections to help prevent them. As far as I was aware, insurance was covering everything and all I had to worry about was copays.

 

The beginning of 2021 I was informed via mail that my primary insurance through my job has dropped my coverage and it was backdated. I also had Medicaid as a secondary insurance but they hadnt covered a penny since 2019.

 

I opened up a Collins VS Bradley and had the federal Medicaid programs looking into what was happening. Since April of 2021 through November of 2021 it has been a full time job calling hospitals, ERs, offices, doctors, pharmacy's, billing departments and treatment facilities. In order for the outstanding $484,013.56 to not fall into collections (amount left after I applied for all charity programs) from all over the place I had to make minimum payments while Medicaid looked into everything. This took any money I had so I put my mortgage on forbearance.

 

During this time I have had no ability to get treatment, see doctors and had to detox myself from 32 medications because I didn't have prescriptions, this was exhausting and incredibly dangerous but I pulled through.

 

I started a social security disability application with the state which takes forever. Mine will take extra long because of all the complications with my health problems

I tried to get a loan modification and refinance my mortgage. I was unsuccessful with both. 

When Illinois first offered their mortgage assistance program I did not qualify because there is an individual legally connected to this house. I have exhausted all resources and finances.

 

During this process, Osiris needed emergency survey which completely destroyed any emergency funding and previous help i received.

 

I have not worked in almost 2 years because I physically can't. I have now less ability and mobility too because of not getting medical treatment and not having proper medication. I have tried every program within my town, my county, the state and federally but because of the legal situation I cannot get assistance.

 

If youve been to the grocery store lately, youve noticed prices have gone up. Having Celiac Disease has allowed me limited funding to get food, my local food pantries cannot assist and have given me bread and dairy on multiple occasions which I'm deathly allergic to.

 

What medications I am on I am paying out of pocket for. After Medicaid declared everything I was left with $22,931.03 to pay off, most of which is in collections. I have talked to credit karma and Experian trying to fight it. Any government affiliated program that exists right now cannot help me because of my legal situation which is costing me more money every month.

 

I have talked to my local churches, HUD, food stamp offices, my mortgage company, free legal aid programs, idhs, idha, and so many others and there is nothing I can do.

 

I received notice earlier this month that they will not be extending my forbearance program and If I don't pay the $18,756.34 and change by January 31st, the foreclosure process will start. 

 

In the spring of 2022 HUD is supposed to be doing a second mortgage assistance grant and it's my only saving grace. I will qualify for it as long as the legal side of this is done. I'm hopeful but hopeless because it's been 3 years now and it's not getting very far.

 

I seriously need help. I don't know what else to do. I made this GoFundMe with the hope that enough people will help and IF I get that Grant I will be able to pay people back, but I can't promise anything because I have no idea what is going to happen in the next 3 months.

 

Any money I had went to paying medical debt, lawyers, medications and food. I have had a church nearby help me with gas cards and food which has been insanely helpful.

 

You can also help through PayPal, Venmo, cash app, zelle or FB messenger.

 

I lost everything in 2019, my grandparents, my uncle's, my cats, my ability to walk, to write, my stepdaughter, so many friends and I've been purely on survival mode since then.

 

Below are the photos of all programs Ive contacted and the letter from my mortgage company. This is very real and very scary and I don't know what else to do ...

DECEMBER 2022 - so all of this is still happening, my lender granted me a deferment which was supposed to be adding the forbearance balance onto the end of the total loan, which they did with 5% interest and now my loan is more then i bought my house for 4.5 years ago. My lawyers are still working on my disability case, i still have another lawyer i need to pay, i can't get any help with the lender cause they've destroyed my credit score so no one would give me a loan and with no income atm it's exceedingly hard to get any other assistance. I'm biding my time and doing my best, but I'm still stuck in this rock and hard place. Thank you for reading this and helping in any way you can.