People have been getting screwed over in this country for a long time after catastrophic illness and injuries that were out of their control. I have absolutely no faith in this system to be lenient when it comes to debt, especially with little or no government oversight of how a private company operates and delivers their product.

I hope that people who are facing this get an out. I hope I’m wrong. But I’ve lived it myself, and there is no mercy to be had when debt piles up. You can try to put it off, you can try to ignore it, but the bills turn to collections, the collections turn to lawsuits, and when you can’t pay the court mandated settlements and fees, there will come more lawsuits to enact garnishment of wages.

It’s relentless, and it ruins lives. If I was on the receiving end of this bullshit, I wouldn’t hold out hope on getting a bailout, and I’d scrape together the attorneys fees required for an attorney assisted bankruptcy ASAP.

I can vouch personally that it’s better to spend seven years building up and repairing your credit, than to face the next 15-20 years of collections and garnishment, only to end up going bankrupt anyway.

Like I said though, I really hope I’m wrong.