Credit Cards Center Credit cards from our partners
New Contributor
Posts: 70
Registered: ‎02-20-2009

2nd BK considered after cancer diagnosis

[ Edited ]

I need some help here.  My husband and I filed for Chapter 7 bankruptcy after a bad business venture and it was discharged 6 years ago.  We worked very hard at rebuilding our credit, were able to build a home and come back to financial stability rather quickly.  We learned from our previous errors and moved on...  Then two years ago I was diagnosed with cancer. I did have insurance, just not very good insurance.  I now have more than $25,000 in medical bills and am unemployed.  I'm at my wits end with this.  I am finally done with treatment, but will need one additional surgery yet this year and thankfully my deductible has been met.  Unfortunately, one income truly only allows us to pay for our home, cars and regular bills.  I can't afford the almost $1500 a month all these different medical bills are requesting I pay.  I have been searching for work, but have had no luck so far.  I can't stop crying.  It's almost the end of the month and my October house payment has yet to be made and I know there is a real possiblity it might be a month late and that will be literally the first 30 day late payment I have made on anything in 6 full years.  


I've been at the computer all morning crying just trying to figure out what we can do. Now I am back here again looking to see what to do or if anyone has any other suggestions.  I know we can't file for chapter 7 again, but saw that chapter 13 is possible.  Would anyone even consider this option?  Or does anyone have any other suggestions?  We are maxed out on everything.

Regular Contributor
Posts: 226
Registered: ‎05-24-2012

Re: 2nd BK considered after cancer diagnosis

First of all I am sorry you are going through this and wish you nothing but good will in a full recovery. I honestly think your best course of action is to seek the help of an attorney in your area. They will have the best answers for you in this situation. I think that if you contact an attorney today you will at least have some answers. The last thing you need to do right now is stress over this and contacting someone that can truly answer your questions will help relieve you. Even if you are in full remission right now stress is the last thing you need as you need to insure you stay healthy first and foremost.


I wish you luck and good health!

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.