Comradeship // Freechat

I can't help with everything, but I can provide you with some possible hope. I have lived more than one of your bullet points in my lifetime. One thing I can tell you is that if you do end up with the life crippling medical debt, it can actually become a sweet release (hear me out, it isn't all sunshine and roses but it can end well).

My youngest was conceived while I was uninsured and the state that I lived in heavily means tested medicaid so I couldn't qualify because my parents made too much (though my child's mother wouldn't qualify to be on their plan). Even with near perfect cesarean delivery, that was one hell of an expensive pile of bills that I couldn't come close to affording. I started to get hounded by bill collectors regularly until I finally told one of them threatening legal action to go for it and hung up. I figured it was another empty threat but it wasn't and I got served a month later.

I was able to get the money for the bankruptcy lawyer (this is the hard part) and suddenly a whole ton of bills were just not an issue anymore. My credit score actually improved, ever so slightly, from the discharge.

It did take me damn near a decade to fully recover in terms of credit score and finding better work but I was able to get a high interest auto loan to get a bigger car that fit the whole family and was more reliable than my previous vehicle afterwards and also eventually relocate to an area with better opportunities.

Hang in there comrade, maybe see if any mutual aid exists in your area. I know it is difficult, but it can get better if the cards happen to fall just right.

Also, I totally understand dealing with reactionaries and fascists within your family. I don't talk to the vast majority of my extended family because they're either neo fascists or pompous liberals. Find yourself a group of comrades and make them your new family.