[robflynn]

Based on my post below, I do not have, on hand, $2000 that I could use in case of emergency. I am fortunate enough, however, that if I absolutely needed it, I have ways of getting the money. (Via family mostly, but I really dont like tapping into that unless it truly is an emergency.)

I'm also extremely thankful for a couple folks that approached me to write some web apps (php/rails) for them. Without them those last few medical payments would have crushed us.

My crappy situation came from double job troubles (gf and I) + dying car + hospital visits.

We've stabilized finally and now it's time to get out of this hole and get my life back together.

[gte910h]

Medical payments are the most easy to renegotiate. As long as you are paying something continually, almost all hospitals are very understanding.

Don't beggar yourself to pay medical bills in the amount they originally ask on the timescales they originally ask.