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Lawsuit Cash Advances and Insurance Settlements
If you are someone who has suffered a personal injury accident
and have a legal claim pending, I am writing to let you know
there are options out there to keep food on your table and
enable you to wait out the insurance company and get a fair
settlement on your claim.
I'm a single mom of two who was a passenger in a car that was
rear-ended on my way to a work seminar. As a result I suffered
severe neck and back injuries. It's unbelievable how a few
seconds can alter your life in every aspect imaginable.
The physical pain is so unbearable that pain killers are needed
to make it through the day, but a side effect of pain killers is
that they decrease your mental functions, so I was unable to be
there mentally or emotionally for my children going thru
adolescence.
A triple disc fusion is no picnic. Especially when you're not
told how painful the recovery is of the leg bones they took the
marrow from for grafting. Needless to say for the second surgery
to re-do two of the fusions, I used the marrow donor bank! And
then you deal with trip after trip to doctors, specialists,
physical therapists, your attorney, pharmacies, etc. Many of
these trips were rides begged from family and friends because I
was unable to physically or financially deal with them.
The insurance companies create this huge circle that claimants
are expected to go 'round and 'round until they give up and
settle for a fraction of what the case is actually worth just to
survive. The insurance company would consistently be 60 days
behind in sending my weekly checks and then delay payment more
by coming up with some flimsy excuse that they hadn't received
an obscure piece of paper required for payment. And this after I
had called for the tenth time regarding my funds! Believe me,
there was never a dime in interest for the 90+ days the
insurance company would delay before payments were finally made.
And then there were thousands of dollars in reimbursements for
mileage, parking, pharmacy, etc. that they owed to me that
they'd play the same game with. Help for around the house and my
needs were reimbursable items, but when you don't have money to
pay for them upfront and no reasonable date of when payment can
be expected, you just go without.
At work you're treated like a con-artist who's trying to take
advantage of the insurance company just so you don't have to
work. Instead you go to work and overdo it constantly, which
aggravates the pain and slows down the recovery process because
you need to work and get a paycheck. You also find that the
mortgage company, grocery store, gas/service station,
utilities,
pharmacy, car finance company, (your) insurance companies, home
repairman, etc. lose their patience and trust in you when you're
constantly late and getting further behind for two years.
It was about the same time period when the insurance company
decided to delay all payments for longer than 90 days and
threaten to never make another payment again until things were
finalized in court, and yet I'm expected to come up with gas
money and a ride 200 miles away to see one of their hired hands
to determine that I wasn't faking it. It's insane!
The insurance company also made sure they timed it right after
the second surgery I was attempting to recover from. My mortgage
company decided they'd had it with me and were starting
foreclosure proceedings if I didn't get my payments up to date.
I tried refinancing my house and getting some cash out to pay my
other bills, because I had some equity in the house, but no
lender would help me out since I was so far behind, my credit
was shot, and I had no "steady" income. Even if the mortgage
company could've refinanced me, it wouldn't have been in time. I
had nowhere to turn for help, but my kids still needed a roof
over their head and food in their tummies.
A friend who had helped me out before told me about a website
she had ran across for a company called Lawsuit Cash
Advance. I called them on Monday and had money in the bank
by Thursday. I did have to bug my attorney for two days straight
but finally got him to cooperate with Lawsuit Cash Advance. I
was given enough money so that I was able to get caught up (and
a little ahead) on all of my bills and still have some
"breathing room." And I wouldn't have to worry about literally
starving my family or myself whenever the insurance company
decided to play games with payments and reimbursements to me. It
was such a relief knowing I didn't have monthly payments to
worry about and that I could outlive the insurance company's
games and get the settlement I deserved.
It took another year after (a total of three years) to settle
and it was definitely worth it! When the insurance company
couldn't make me cave in, the jurors were finally able to hear
everything I had been through and award the appropriate amount.
Without the advance, we would've been on the streets and
starving. I was able to keep my house, car, and job - all
because of a company called Lawsuit Cash Advance.
About the author:
Maria Gobely is an executive administrator and can be reached at
mgobely@opfinance.com
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