May 1, 2014

Christian Credit Counselors

Unexpected Financial Catastrophes

We never want to imagine what could happen if our spouse had a stroke or severe heart attack. We believe we’ve planned well for any medical needs. We’ve got enough savings to tide us over. Our health insurance will cover every possible cost. We’ll be fine.

Unfortunately, medical catastrophes are among the most common reasons for a couple or family to experience severe debt. It’s difficult to cope physically and emotionally with a medical catastrophe; add financial trouble to the mix and your mind struggles to sort it all out.

Health Insurance and Medical Bills

The pressure often becomes unbearable. Even if you have good health insurance, medical bills for a sudden injury or illness can pile up. Those unexpected co-pays, deductibles, and any supplies or medications that aren’t covered can be a very unpleasant surprise. A home-use hospital bed doesn’t come cheap. Neither does skilled nursing care.

Your loved one’s medical needs continue after being released from the hospital, but you may not be able to take time from your job to perform the multiple tasks. A family member may not be available to help either.

You will need to keep complete and accurate records and submit claims to the insurance company. Follow-up doctor appointments will need to be kept. What about physical therapy or rehabilitation? What if your spouse needs counseling to help him cope with the loss of independence? What if you need counseling in order to cope with the disability?

Weighing the Financial Alternatives

You want the best available care for your loved one. Everybody does. But the bills can still mount up. It’s easy to find yourself with a mountain of debt through no fault of your own. Filing bankruptcy is an option, but not a good one. It costs a significant amount of money, not to mention the detrimental effect on your credit rating.

Christian Credit Counseling has been helping people just like you resolve debt issues for over twenty-three years. We understand the financial problems that can overwhelm you. We also understand the emotional costs.

We will arrange a repayment plan that fits your needs perfectly. There will be no damage to your credit history. And we will not only pray for you, but rejoice with you as you gradually pay off your creditors until everything is listed as “Paid in Full”.

<p class=”p1″>Do you want to know more about debt and how you can make smart financial decisions now that will help you secure a more prosperous financial future? Sign up for our newsletter for monthly money tips.</p>

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