I feel like I'm losing it.......

[Maggie]

I have no health ins. and we (my husband & I) have exhausted all savings by paying my bills.  The time has come that any time now a medical facility will probably be taking us to court.  We cannot file bankruptcy because this house is paid for (it was an inheritance to my husband). 

The attorney told us that they could put a lien on our house.  I'm scared.  I can't sleep, if I tell my husband that I'm not sleeping because of worry he just says, "Well, how do you think I feel"?  I am shaking all the time - can't concentrate. 

I take Klonopin at night to sleep but sometimes I take 1/2 pill during the day which leaves me short of meds for the rest of the month.

Like I said - I really do feel like I'm going to have a nervous breakdown. 

This is all MY fault - these are MY bills because I am uninsured.  I've never been in this situation and I'm scared to death. 

[Sebastian1969]

Maggie-
Couple quick questions to see if this might work for you...
Are the medical bills in your name only?
When the house was deeded to your husband was it deeded to him or to both of you?
If the house is in his name only, and the medical bills are in your name only, you should be able to file bankrupcy and they would not be able to touch the real estate since it is in your husbands name.  It will  depend on what state you are in, but there is a differance between marital interest in real estate--which you have in most states, and fee interest-which you only have if the property were deeded to you.

[Sebastian1969]

One more suggestion.  Look into placing the property (house) into a single member LLC's name, which you and your husband are the members of. 

[Miss Philicia]

Maggie, have you gone and sat down with someone at an ASO to see if you're doing everything possible to not be in this situation?  It would probably be helpful to have someone fully assess your financial situation vis-a-vis your medical bills. 

Also, relate your mental state to the physician that prescribes your klonopin (I take that too) and maybe they can increase the dose even if only for a short duration.

[Maggie]

My husband changed the deed over to include my name also.

[Jody]

Dear Maggie...I'm so sorry for these troubles to have hit you so hard.  So many very fine folks are really struggling out there and hopefully the economy will turn and things will improve.  As others here have pointed out hopefully there is help out there including a program to kick in to allow people to remain in their homes.  It would have been better if there was true "stimulus" for regular folks as well as the world's biggest corporations.   

Best wishes for things to turn around Maggie.

Jody 

[Sebastian1969]

Maggie--above all, take care of yourself.  Nothing is worth not taking care of your self.
You may want to ask legal aide in your state about deeded the property back into your husbands name only.  I am in Nebraska, and in Nebraska the lien only attches if you are in title, but a judgement can attach if it can be proven that title was changed to avoid the judgement--good luck to a creditor in proving that one.
I do not know what age you and your husband are, but would something like a reverse mortgage help?  Or equity line (which can get you caught up, but they are hard to pay back when we are already just trying to make ends meet.)
If you have a church, let them church know that you need help.  It is unfair that government gives handouts to everyone else except those that own their homes and want to stay in them.
We are all thankful for the medicines available, but we are killing ourselves trying to afford to pay for them.

[Snowangel]

Maggie-
I am sorry to hear that you are going through such a hard time right now. I agree with Miss Philicia, you should see if your ASO can be of any assistance as far as finding you legal help and help with your meds.

I had to file bankruptcy a few years back and my lawyer had me make sure I had a homestead act on my house.  Does your state have those?

I wish you the best of luck.

Snow