Denied..& Have Trouble Financing!!

[shygirl 0]

<p><p>I am on the verge of a breakdown. I used to be a party girl back in the days, o now trying to get financing and because my bad credit can get nowhere?? Any suggestions people, please I am depress and by far trying to deal with the finance co. Have no results yet.... Can someone help!!!! Thanks again.... <img sr

[BadGirlinFL 0]

<p><p>I am on the verge of a breakdown. I used to be a party girl back in the days, o now trying to get financing and because my bad credit can get nowhere?? Any suggestions people, please I am depress and by far trying to deal with the finance co. Have no results yet.... Can someone help!!!! Thanks again.... <img sr

shygirl :hug:

I am sorry to hear about your struggles to get financed for the surgery. Do you have a 401K that you can borrow the money from? Or perhaps you own a home and can do an equity loan? Sorry I can not be of more help. Perhaps there are others on here that have been through the same thing and can be of more assistance. Hang in there. :hug:

[krmamom 0]

I am having similar issues. I have a bankruptcy (almost 9 years ago) that has not come off my credit yet. Here are 2 banks you can try...I am in the process of waiting for an approval from both of them. Some people gave me bank info. on this forum....here they are, hope it helps:

eFinancing-Solutions, LLC

and

Citerra Financial Plastic Surgery financing

[DonHoll1 0]

Hi I took a hardship withdrawal from my retirement acc. Is this an option for you??? Donna

[shygirl 0]

thank you guys for all the support... no as an independent contractor i have no retirement fund yet, no healh insurance only was given to me by the state, the house is under my mothers name... and of course she wants no part of the surgery thing since her friend died having gastric bypass surgery.... so im running out of luck... i have ttried with citerra financial .. and they said no... so im scared to try someone else , because it lower your credit score everytime... soooo i guess im just running out of options....but iguess something will give...thanks again guys... sincerly..

[Cassy 0]

Did you have any luck with financing? I am having the same issues.

[shygirl 0]

Hello Cassy, nothing yet .... I have just given up for now till I save some type of money and than I can proceed with the idea.... So if u find anything let me know.... take care ...and good luck... Thanks for asking .... sincerely

[marjon9 6]

This may not be much help, but I just want to mention that there are many different prices out there for lap band surgery. Most of the doctors in my area charge around $25,000. So I went out of my area and found a great doctor in Colorado for under $10,000 (see my signature for his web site). In addition, the docs in Mexico have a great reputation and they are around $8500. Don't mean to state the obvious, but it can be much easier to save/finance these smaller amounts. You folks may know all this already, but I just thought I'd throw it out there in case. Good luck.

[kurvaesious 0]

Shy girl, Please don't give up. Anything that will make you feel better physically, mentally and emotionally is well worth the fight.

It took me nearly three years to find financing. I was finally able to use my medicare benefits at Harper Hospital in Detroit on October 24, 2007. The funny thing is that within two months they were able to speed the procedure up. I just had to keep focused and "nudge" people when I was at my strongest emotionally.

[lucy1 0]

Don't worry there are many ways to get finance for lap band surgery. you can go for some financial institute which help you so that whole cost of surgery can be broken down in low monthly payments. Hospitals are also ready to provide some finance to you. For that you have to ask to your surgeon about this.If your surgeon is enrolled in the finance program like INAMED Health’s Lap-Band Patient Finance Program then you can take help from there also.

Edited August 24, 2009 by lucy1

[SuzanneG 1]

Did you say you were denied? What were the reasons?

Have you considered an appeal? I had to appeal my insurance, I wrote two letters from me, and then went to each of my doctors, GYN, GP, podiatrist, gastrointerologist, etc. and asked for letters of support. I assembled them together and sent the package to my bariatric surgeon and they filed the appeal for me.

I'd be happy to share my letters if you would like to see them as a template. If you want them, just PM me your email address and I'll send them to you. Doesn't cost anything to try.

Keep us posted.

[ParrotheadCathy 0]

Shy, try Care Credit and Capital One, both of whom do medical financing.< /p>