I'm sorry you went through all of this and I know it's hard to pay bills, and food. My boyfriend lost his job cause the business wasn't working and now he's unemployed, looking for jobs and it's very hard to find one these days. Anyways Yes you can get a letter from your doctor stating that the stress due to your debt that has a overwelming impact on your life and the payments are minmal until I regain my health and then I'll resume my payments. Let me know on updates.
Thank you so much for responding. I greatly appreciate it. I will contact my primary care physician on Monday to see if he can write this.
I went through similar things, pretty close. I gained a ton of weight in my early 20's due to stress and anxiety. Sometimes we feed those feelings with food, we also do that with binge spending/shopping. It give you a temporary "high". I also isolated myself for a good 10yrs. Anxiety/depression itself is horrid, but when you are taking exams without treatment, it's really hard to pass your courses/exams. I ended failing 2 courses one semester, hadn't failed any before that and I was asked to "leave" the program, basically I got kicked out!
If you have insurance, I suggest you get a referral to a psychiatrist, there may be something else going on. I had my diagnosis partly because of my actions of binge spending/eating/poor mangement ot my life/anxiety and depression. I can't diagnose you, but I strongly feel what your potential diagnosis may be.
I ended up filing bankruptcy because of school and a couple of small debts, I was 62k in the hole, with no possibility of getting out of it. In my bankruptcy the included the fact that I was dealing with mental health issues, and it made it a lot easier to get approved. You aren't automatically approved for bankruptcy, 90% of thet time you are, but your debtors could challenge you.
On top of that I'm a credit counselor as a profession, so I know what people are doing, and I can sympathize completely.
Keep in touch, let us know what's going on, hang in there, it will get better!
Depression Co-Community Leader
Thank you for your insight. I am only 27 years old and the weight issue along with depression is getting worse. A little over a year ago I was built like a linebacker in the NFL. I was 6'2" 250lbs and I ran 3 miles every day. Now I can barely run 3 minutes and my waist line has gone up almost 10 inches. It's been very frustrating.
In terms of what I owe, I have roughly $40K in student loans and $10K in credit cards. I get paid every 2 weeks and after I pay my rent, gas bill, student loans and car insurance I'm barely left with anything and my biweekly credit card payment is $125. And when that is paid off I typically have about 50-$60 to try and stretch for 2 weeks. I also have a gym membership but since I'm so depressed and under a lot stress it's hard to find the motivation to go. I feel as though if I could some how temporarily hold those biweekly credit card payments, even if interest accrured until my health is back up, I think I could become more healthy rather quickly. I'm not so much worried about the student loans now because I found out that once I pass the nursing boards I can work for Indian Health Services and work at one of their reservation facilities and they will pay off student loans in the amount of $20K/year as long as I fulfill a 2 year contract.
I do have very good health insurance. Do you think that if I see a psychiatrist that they would provide some kind of recommendation letter similar to the one I'm requesting?
umm i can't answer that, but what i can suggest to you is make a budget. Chances are pdoc note will do nothing, you owe money and you can't get out of it unless you file bankruptcy OR you go into credit counselling, both will affect your credit, BUT it's i'm sure it's down the toilet right now anyways if you are carrying a high debt load and only making min. payments.
How I work in credit counselling is such:
Add up your total monthly income from all sources, down to the last taxable penny.
Add up all your min pays for your debts, including car, mortage/rent, any insurance, child support,anything that can legally and/or affect you credit wise, even Sear's or Home Depot Cards.
If you pay out more then 40% of your net income, your are way over your head. You may not be able to file bankruptcy because of your contractor student loan there, I know in Canada, you have to wait 10yrs before you can attempt that. . But no credit card company is going to accept a doctor's note to get you off the hook of any pymt or reduce your % rate. You got yourself into the debt, agreed to the contract. At that point, consolidate your debts, or go to those credit counselling services where the put everything together and have a much lower amount that you pay every month. You will lose all of your credit cards. Get rid of your frills, like your Gym membership. Set up a monthly budget for everything, and I mean everything. They may demand you get rid of certain things, if you have any stocks/bonds/401k's ( i think that's what they call them there), they will request you liquidate all to pay your debt first. I recommend you do that anyways, you may be able to if you have a large sum, negotiate with some creditors.
I do suggest you see a psychiatrist, as you know GP's are very limited with their ability to treat you and diagnose you. Pdocs are well trained to do the diagnosis and in pharmaceuticals. I would also suggest getting a full physical, who knows, you may have a hormone imbalance.
There may be some benefits you could be eligible for to pay for certain expenses such as food and utilities depending on income. Or other forms of support. You might want to speak to your local independent living center. They don't offer counseling as regards credit card debt but there may be other forms of assistance you qualify for. There's one in every county of every state. Here's a list:
Well..I have four children, My husband lost his job, I was forced to move in with my sister and her family, I cant even afford to send .50 cents to school for my sons friday popcorn money....it *****...you do have it pretty bad, but what Im trying to say is there are people that have it way worse...I hope everything gets better for you, what I tell myself in the morning when I wake up, is that Im going to do the best I can do, with what I got..well good luck to you......