way off topic-disability help

i recently had a bad bike wreck,a car hit me and took off.the ins. co. is fighting paying my medical.i need surgery on torn muscles and need it done now.im self employed with no health ins.and need to get input on how to postpone mortgages and bills for three months as i wont have any income during the three months ill be recouperating.im young but had a heart attack and stents at 45 years old.im now 52 and couldnt get affordable ins. because of pre existing heart problems.i have enough money for food but thats about it.the hospital says they might give me charity but never got an answer.has anyone had the same situation as me.if so how did you deal with it.i have a lawyer and his answer was to borrow 6000 bucks and pay it back when i get a settlement,if i get one.im not one to not pay my bills but never saw this coming.note to everyone reading this,check over your insurance policy and increase your limits so you are better prepared than i.

 

Get in touch immediately:
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http://www.dhs.state.il.us/page.aspx?
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Illinois Department of Human Services

 

Call your mortgage Company and explain your situation and
ask for a deferal. Play it safe and ask for 6 months in case
their are complications. What will happen if they agree (If
you are in good standing with your mortgage Co.) is they will
give you a 6 month reprieve and tack it on to the end of your
mortgage. They don't mind this to much cause they get 6 more
months of interest out of you. Call them immediately. banks
aren't always the enemy. Right now they appreciate the honesty
and they don't want to chase you down for money any more
than you wanna be chased.

Sorry about your bad luck, keep your chin up.

 

If your staus now is considered to be "unemployed"...and it may be...then you'll be eligible for more help from the DHS. Your hospital bills may be mostly covered if it's a necessary procedure. All the best to you.

 

I guess kind of late saying this, but I'm guessing you did not have under insured (or no insurance) motorist protection insurance? I assume they would have it there where you live. I always get it on my cars, and my motorcycle when I had one. I got 3 million coverage, meaning I am covered up to that if the person that hits me is under insured. It costs something like $50 a year on each car. I would not drive without it!
Here in Canada 100% of our basic medical bills are covered under our national health plan. Maybe I should not metion that...I don't want to get political and get the thread deleted.
Look to every resourse you can to help you get thru this difficult time.
Best of luck, hope you heal soon!

 

It couldn't be more screwed up.
They may give you what's called a forbearance. Maybe they won't but you're going to need to ask for one.

 

Is your insurance company denying your claim?
Uninsured and under-insured coverage, I believe is a requirement in Illinois.
Was a Police report made at the time of the accident?