I fucked up with my finances due to medical bills . For years I had a credit score above 800 , had always paid my house on time , paid off cars . all that jazz . Ran into bad medical problems which I still have tried to be the good ol ' citizen and make sure they were paid it was a lot of out of pocket money . Fucked up and over drafted my account and couldn ' t afford my house payment that month . Tried to get caught up until my car broke down , my ac went out it gets about 118 here in the summer still had student loans too pay . Got divorced and for some reason had to pay a lot in taxes even though I had less income . Blah blah blah . Anyways , good ol ' Bank Of America wouldn ' t work out a deal with me to get caught back up on my mortgage . I moved out of the house a few months ago after a forclosure . I had lived in that house for 10 years . Bought it when my daughter was 5 and after I had received a big promotion . Point is , it all started because of medical bills . The twist is that I have pretty good insurance , but I wasn ' t exactly dying so I had to cover a % of my treatment . A small % of thousands and thousands of dollars is a lot . Just so you know , life is still good .