Dark/Horror Genres List

Dark/Horror Genres List

Dark/Horror Genres List

Horror = The fiction of fear

Splatterpunk = Horror that relies on extreme violence and graphic gore

Extreme Horror = Seeks to create utmost terror in the reader.

Psychological Horror = The danger that comes from the human mind - sanity, guilt, boundaries between right and wrong, etc.

Dystopian = Fiction set in a stark, nightmarish kind of world, often in the near future.

Lovecraftian = Based on the concept that our world was once ruled by alien creatures who still exist out there.

Thriller = high suspense and anticipation.

Mystery

Dark Diction = Stories that disturb the reader by probing the boundaries between good and evil

Supernatural = People face manifestations outside of the normal human experience.

Paranormal = features characters who are "nearly" or "formally" human, like zombies, vampires, and weres.

Paranormal Romance

Dark Fantasy

Urban Fantasy = typically set in a run-down part of a modern city, these stories involve human characters with psychic/magical abilities.

Gothic

Erotic Horro

Horror Comedy

Romantic Suspense

Steampunk = a blend of sci-fi, fantasy and historical, often with elements of horror.

Ghost stories

Slipstream

Speculative Fiction = broad term encompassing the fantasy and sci-fi genres, as well as horror fiction with supernatural or paranormal elements.

Slice of Life = no obvious plot, but shows a snapshot from people's ordinary lives.

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More Posts from Sun-rush and Others

5 months ago
My son has set the house up with a Pi-Hole. It’s a raspberry pi running Ad blocking on the whole house’s network. 

We’re a few hours in and we’re seeing effects, as well as some teething problems.

— Simon McGarr (@Tupp_Ed) August 11, 2022

>First, we’ve discovered that about a quarter of all the internet connection in or out of the house were ad related. In a few hours, that’s about 10,000 out of 40,000 processed.

>We also discovered that every link on Twitter was blocked. This was solved by whitelisting the https://t.co domain.

>Once out browsing the Web, everything is loading pretty much instantly. It turns out most of that Page Loading malarkey we’ve been accustomed to is related to sites running auctions to sell Ad space to show you before the page loads. All gone now.

>We then found that the Samsung TV (which I really like) is very fond of yapping all about itself to Samsung HQ. All stopped now. No sign of any breakages in its function, so I’m happy enough with that.

>The primary source of distress came from the habitual Lemmings player in the house, who found they could no longer watch ads to build up their in-app gold. A workaround is being considered for this.

>The next ambition is to advance the Ad blocking so that it seamlessly removed YouTube Ads. This is the subject of ongoing research, and tinkering continues. All in all, a very successful experiment.

>Certainly this exceeds my equivalent childhood project of disassembling and assembling our rotary dial telephone. A project whose only utility was finding out how to make the phone ring when nobody was calling.

For you can do it too!https://t.co/l1SLzPrzp6

— Simon McGarr (@Tupp_Ed) August 11, 2022

>Update: All4 on the telly appears not to have any ads any more. Goodbye Arnold Clarke!

They show your your stats on a neat little dashboard. pic.twitter.com/RQB39IvnKD

— Simon McGarr (@Tupp_Ed) August 12, 2022

>Lemmings problem now solved.

>Can confirm, after small tests, that RTÉ Player ads are now gone and the player on the phone is now just delivering swift, ad free streams at first click.

>Some queries along the lines of “Are you not stealing the internet?” Firstly, this is my network, so I may set it up as I please (or, you know, my son can do it and I can give him a stupid thumbs up in response). But there is a wider question, based on the ads=internet model.

>I’m afraid I passed the You Wouldn’t Download A Car point back when I first installed ad-blocking plug-ins on a browser. But consider my chatty TV. Individual consumer choice is not the method of addressing pervasive commercial surveillance.

>Should I feel morally obliged not to mute the TV when the ads come on? No, this is a standing tension- a clash of interests. But I think my interest in my family not being under intrusive or covert surveillance at home is superior to the ad company’s wish to profile them.

There’s a handy explanatory video from Dr. Johnny Ryan which sets out how we could end up with Just So Much ads.

Each webpage load can potentially run an auction (with you as the prize pig on the block) sending data to loads of different brokers. https://t.co/wUosBLjM3f

— Simon McGarr (@Tupp_Ed) August 12, 2022
Privacy International has a short and clear guide to what hardware you can use for setting up a Pi-Hole as well as some setup instructions. 

Ad-blocking (home surveillance thwarting) is a human rights issue too!https://t.co/1vphCsaug1

— Simon McGarr (@Tupp_Ed) August 12, 2022

>Aside: 24 hours of Pi Hole stats suggests that Samsung TVs are very chatty. 14,170 chats a day.

>YouTube blocking seems difficult, as the ads usually come from the same domain as the videos. Haven’t tried it, but all of the content can also be delivered from a no-cookies version of the YouTube domain, which doesn’t have the ads. I have asked my son to poke at that idea.

This has proved a popular thread. I have no soundcloud, and the things I sell are not of general use. 

But you can always follow & support Digital Rights Ireland (who once knocked down a state surveillance law for half a billion people) @DRIalerts https://t.co/vrAPYsxjP4

— Simon McGarr (@Tupp_Ed) August 13, 2022

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8 months ago

Can we stop acting like two people deeply loving each other has to mean they have something romantic or sexual going on? Can we stop talking as if platonic love just can't be that deep? Because that's not true. Platonic love can be just as deep, and sometimes even deeper, than romantic love. What I'm saying is, we need to stop putting romance on this pedestal and act like every other form of love is less important.

9 months ago

OC Questions - Personal Principles

1. If your OC came across sensitive or important information, what would they do with it? How would they react to finding out about it in the first place?

1a. If the information concerned/involved someone they knew, would your oc choose to tell them about it? How would they do so?

1ab. Is there any situation in which your oc would hesitate to or refrain from telling that other character? Why or why not?

2. If someone asked your OC for their honest opinion on something, would they give it?

2a. If there is a situation in which your oc would hold back or otherwise answer with a lie, are there situations when they would tell the truth? If so, how do they come to that decision?

3. How honest or dishonest is your oc, generally speaking?

3a. Is there anyone with whom they share their honest opinions in confidence? What is their relationship, and what is your oc's motive in keeping these things hidden from other characters?

3b. Alternatively, is there anyone with whom they are primarily or exclusively dishonest? What is their relationship, and what is your oc's motive in hiding things from them?

3c. If your oc is the 'brutally honest' sort, is there any consequence (socially or punitively) that would compel them to keep quiet about something? How well would that go?

3d. If your oc is the type to keep negative thoughts to themself, is there anything that would compel them to speak up or say something harsh to someone's face? What would the aftermath of that look like?

4. If your OC wanted to impress someone, how would they attempt to do so?

4a. If their attempt fails or backfires, how would they react? Would they give up or try again?

4b. What would make your oc want to impress someone in the first place?

5. Is there a line your OC will not cross, morally or preferentially speaking, in pursuit of something that really matters to them? If there are many such lines, what are they?

5b. If your oc is the type to push moral boundaries in pursuit of a personal goal, how far would they be willing to go? Have they ever done something they regret?

5c. How about for a sense of duty? Do their principles differ at all if the matter is occupational or part of an obligation? If so, which holds more importance to them?

6. In general, how difficult is it for your oc to tell someone 'no?'

6a. If there is someone they struggle to refuse more than others, what is their relationship? Is the other character aware of their power over Character A?

7. In general, how often does your OC agree to help or do favors for others?

7a. Is this something they enjoy doing, feel obliged to do, or have to be roped into in order to agree?

7b. If this is something they do often, are they the type to volunteer their help before anyone asks them? If so, how is this perceived/received by others?

7bb. If they help others frequently, do they ever foresake their own needs to do so? Do they ever ask for help, themselves?

9 months ago

Character Writing Exercises

I was going to make this a tagging game & include my taglist, but it's pretty involved and I don't want anyone to feel pressured to do it if it's a chore/they don't want to/it's not helpful to them.

Below are some exercises I find really, really useful for pulling brand new characters out of my ass. Barring that, they're fun to do for existing characters as well!

Paint a picture of a character by describing their bedroom while they’re not in it.

Whip up a new one right now, fall back on a tried and true OC. Or a canon character; I’m not the boss of you.

Shuffle a playlist on your music player of choice. For whichever song plays, describe what you “see” with your imagination.

For those of you who struggle to “see” imagined things, just tell me what’s goin’ on in that beautiful noodle of yours. Also, please tell me the song so I can listen to it while I read this part!

Describe a character by turning out their pockets.

what has it got in its pocketses?

An abandoned and unlocked phone (or wallet, if you wanna go back a coupla decades) has been discovered in a ratty little diner bathroom. What’s in there? What does it tell us about its owner?

Think photos, payment methods, notes, messages, Internet searches, receipts, etc. If cell phones and Waffle Houses aren't things in your character's world, pretend they are.

If you do all or some of these, please tag me because I would be overjoyed to read them!

9 months ago

One piece of acting advice that has stayed with me for years in regards to both writing and drawing as well is: "Don't use the body to act what the character is saying. Act what the character is THINKING."

Like, as a very, very basic example: a character is apologizing by saying, "I'm sorry." But that line is going to look and sound different depending on what the character is thinking. Crossed arms and a sullen tone can mean that a character is actually thinking: "I don't mean it and also I hate you." A pleading tone and reaching out to take the other character's arm can mean: "Please don't leave me." A tired voice and slumped shoulders within context could mean: "I did what I had to do."

This is one way to begin to do "Show, Don't Tell" in storytelling. It is trusting your audience to see the depth and to catch on to the things you leave unsaid. It's fun to let the audience be observant and clever. It is also reflective of real life, where people are often scared of being vulnerable, or don't necessarily even understand their own emotions, or can't articulate their own thoughts, or have difficulty identifying the true feelings of the people around them, and so don't say very much.

There are exceptions to this advice, of course. In writing especially, rather than in a visual medium, some POV characters are very good at reading emotions from body language and others are not, and their observations in the narration may reflect this skill. Some characters will assume everyone around them is always angry with them or simply not pay attention to other people's moods at all, personalities which can also be subtly communicated to the audience and later used in the story in some interesting way.

Some characters have excellent control over their body language and tone of voice, because they are on-guard, highly trained in some fashion, or a very good liar. They will not easily communicate their true thoughts through their body language or their actions. Their lie can be so good that it can be slipped past the audience as nothing important to the plot until it comes back to bite. Their oddly perfect control over their body in a tense situation can instead maybe be used to indicate to the POV character and/or the audience: "Oh, there's something up with this person."

Body language will also change by culture and class and disability and so on. This clash can cause communication problems between characters, as a character's affectionate pat on the shoulder of another might be intended as casual comfort, but be received as overly intimate condescension. Different cultures / people can even have very different opinions on what level of eye contact and overlapping speech is rude.

This advice was originally given to me in the context of illustration and animation, in which it is very common for inexperienced artists to act out the words that the character is saying in mime-like gesture. In media for young children, we might choose to keep things very simple, as toddlers struggle to learn what it looks like and feels like to be angry or happy. But past that? People don't really behave this way. What we say and what we really mean are not always synchronized, and we can use the body to communicate this.

2 months ago
So, Let Me Guess– You Just Started A New Book, Right? And You’re Stumped. You Have No Idea How Much
So, Let Me Guess– You Just Started A New Book, Right? And You’re Stumped. You Have No Idea How Much
So, Let Me Guess– You Just Started A New Book, Right? And You’re Stumped. You Have No Idea How Much

So, let me guess– you just started a new book, right? And you’re stumped. You have no idea how much an AK47 goes for nowadays. I get ya, cousin. Tough world we live in. A writer’s gotta know, but them NSA hounds are after ya 24/7. I know, cousin, I know. If there was only a way to find out all of this rather edgy information without getting yourself in trouble…

You’re in luck, cousin. I have just the thing for ya.

It’s called Havocscope. It’s got information and prices for all sorts of edgy information. Ever wondered how much cocaine costs by the gram, or how much a kidney sells for, or (worst of all) how much it costs to hire an assassin?

I got your back, cousin. Just head over to Havocscope.

((PS: In case you’re wondering, Havocscope is a database full of information regarding the criminal underworld. The information you will find there has been taken from newspapers and police reports. It’s perfectly legal, no need to worry about the NSA hounds, cousin ;p))

Want more writerly content? Follow maxkirin.tumblr.com!

1 year ago

I am a big fan of platonic expressions of love, as there are very few things that make me feel happier than when I am with my friends. I also like thinking, and so I have put my thoughts into words.

I am easily taken over by the devotion that I feel towards the people I love.

I want to give all of myself to the little family that we’ve made together, the one not sharing the blood that I have, but the one that has come together to be what it is now.

Occasionally I am afraid that they do not see me like this. I feel as though I may come off as too strong at times, and I don’t want them to see me in that light. I want to spend the rest of my life with them because I love them. I love being near them. I love being their family. I love devoting my whole world to them and our future.

Perhaps I am too wishful? I don't want to be. I want this to not be a dream. I want to make it real, and I can with time and hard work. I can carve out a future for us if they will let me.

I cannot let myself fear a future without them by my side, so I put myself in the present, and I see them and I know that they are there and real. I sit there with the little family that I helped create, and I let myself know that fear will not stop me.

I will take the future and make it into another day's present.


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11 months ago

Funmaxing: How to Create a Character You'll Like Playing

Part One: Choosing a Role that Fits

I'm about to be a player in a full campaign for the first time in 5 years (I was lucky enough to play in a few oneshots and an 8-session mini-campaign during that time), and for the first time in a long time, I get to really think about being on the player's side of the table!

If you, like me, are about to embark on the journey of creating a D&D character, this one's for you.

If you've played D&D before, you've probably had the problem where you came up with an awesome character concept and started playing, only to realize you picked features that your character wouldn't use, or that didn't work with the way you like to play.

Some DMs may let you change it at some point, but the majority of the time, the only solution to being dissatisfied with the mechanical choices you made is to...retire the character. Make a new one. When you really enjoy roleplaying the character, it can feel like you're between a rock and a hard place: say goodbye to a character you love, or muddle through with mechanics you hate.

(this can happen the other way around as well! I'll be writing about that later)

So how do you get in front of this problem? How do you choose mechanics you actually like that also make sense for your character concept?

The advice below assumes that you have come up with a character that is willing and able to go adventuring.

The first step in designing a character's mechanics is to ask yourself:

What roles do you like playing in D&D, both in and out of combat?

There are many different roles in D&D. Some are pretty well-known: you have the tank, the DPS, the glass cannon, the healer. But you also have the support caster, battlefield manipulation, and more. At the same time, not all of D&D takes place in combat. Depending on the game, there are different ratios of combat:exploration:social interaction. If one of those 'pillars' of play doesn't interest you, that's okay, but there will likely be some elements of all three in every game, and it's helpful to have a character that is capable of interacting with all these pillars.

The lists below are not exhaustive. It's also typical to enjoy more than one role, and to take on more than one role at a time. As you review the lists, think about which roles you would most enjoy playing.

Combat Roles

Tank: soaks up attacks. If you like taking huge amounts of damage or making enemies waste attacks on you that never hit, this is a good role for you.

DPS: for the uninitiated, this stands for 'damage per second'. If you like doling out huge amounts of damage each round, this role is a good fit.

Glass Cannon: like DPS, this role deals out high damage but frequently has limited resources, like spells, and has a low defensive capability. If you like to feel powerful 'at a cost', this is a good role for you.

Healer: this role keeps allies standing and protected against danger with wards and restorative abilities. If you like to feel like a rescuer and pull your party out of bad situations with a clutch move, you may enjoy being a healer.

Support: this role focuses on making your allies stronger and your enemies weaker. If you like setting up your fellow players for extreme power without wanting it for yourself, or get satisfaction out of watching your enemies crumble, this is a good fit.

Battlefield manipulation: this role controls different elements of the encounter by moving allies and enemies around, taking control over enemies, and creating effects that change the physical landscape. If you like thinking tactically about placement on the board, affecting who can go where/do what, and turning enemies to your side, this is a good role for you.

Summoner: this role uses other creatures to fight on your behalf, not just summoned ones. If you like having animal companions, constructs, or summoned creatures take on the fights for or alongside you, you may like the summoner role.

Exploration Roles

The Trap-Wise: this role is on the lookout for unexpected dangers, like ambushes, pitfalls, and cursed treasures. If you like to stay on your toes, monitor what others are doing, and be a front-liner of exploration, this role is a good one for you.

The Looter: this role is looking for Stuff. You might be checking bodies, foraging for the party's dinner, or combing through bookcases for interesting tomes; if that sounds like your kind of fun, you might enjoy the Looter role.

The Puzzle-Solver: this role wants to gather and resolve information about the scenario, whether that's literally solving a puzzle or figuring out the BBEG's secret plans before she can put them into action. If you like thinking about how the scenario works and gathering intel, you might like being a Puzzle-Solver.

The Poker: this role sees something interesting and decides they're going to poke it. If you want to throw caution to the wind and just trigger the pressure plates already, this role could be a good fit.

The Mapper: this role is for figuring out where you are, where you're going, and how you're going to get there. You might be checking for secret rooms and hidden doors, or scouting ahead either on your own or with a familiar or divination ability. If you're always thinking about the next step forward, you could have fun as a Mapper.

The Prepper: this role is getting ready for the next threat. If you want to set up defenses for your camp, heal or empower your allies before you face danger, or divine the future, you might like the Prepper role.

Social Roles

The Friend: this role tries to get on others' good sides. You may deescalate a tense situation, convince an untrusting NPC to let down their guard, or earn the favor of a powerful creature. If you really did come here to make friends, this might be a good role for you.

The Powerhouse: this role uses skills, physical strength, or magical power as leverage. You might magically or physically force a confession, show off your competency to get an adventuring contract, and back up your allies' words with an intimidating presence. If you want to say more by saying less, you might like playing a Powerhouse.

The 'I Know a Guy' Guy: this role relies on interpersonal connections, linking the party to NPCs for resources, information, and new quests. If you like networking and building connections, you might enjoy playing this role.

The Information Broker: this role collects and exchanges information, from gossip to news to clues. If you like plying others for intelligence, you might have fun as an Information Broker.

The Trader: this role speaks the language of barter and coin, assessing others for their material worth and goals. If you like transactional roleplay encounters from haggling to bribery, the Trader could be a good fit.

The Influencer: this role distracts crowds, plants the seeds of gossip or discontent, and directs the favor and ire of the public. If you want to be at the heart of the crowd, you could enjoy the Influencer role.

The Cold Reader: this role assesses others for their motives, intentions, and feelings to gain a social advantage. If you like to understand what's happening at the heart of an NPC, you might like playing a Cold Reader.

Once you've identified the roles you enjoy, think about the group as a whole: will anyone else want these roles? It can be extremely frustrating to choose a glass cannon role, only to discover everyone else is playing glass cannons, too. Party composition doesn't need to matter to play a good game, but when you have the same role as another player, it can be easy to feel like you aren't adding anything new or interesting to the encounters.

Next, think about the game you're about to play: will these roles be useful in this game specifically? Some DMs might leave out the elements necessary for a given role to work, or the specific game you're playing won't give you many opportunities to use a certain role. You can always let the DM know what you want to see, so they can give you situations that play to your interests, but it's also fine to acknowledge that not every role will fit in every game.

Finally, consider your character concept: which roles fit with the character I've come up with? If you know things about your character's personality and background, you can compare them to the roles you're interested in and see where there are points of alignment. You don't need alignment between the combat, exploration, and social role, but some roles fit better together than others, like a DPS combat role being Trap-Wise in exploration and an 'I Know a Guy' Guy in social encounters -- that describes a very typical rogue archetype, and rogue abilities often serve these roles well.

Once you've assessed the roles you like in combat, exploration, and social encounters, you're ready to build your character's mechanics!

A short example: In the upcoming campaign I'm playing in, my character concept is a drow woman from a minor noble family who was disowned for improper behavior. She was previously trained in martial fighting, but has since become a pit fighter to help make ends meet. This character is going to be mostly battlefield manipulation with some tanking, because I love to play with combat tactics and soak up damage. In exploration, I'm not yet sure; I think she'd be a good Poker, but another player really gravitates toward that role, so my backup choice is the Looter. For social encounters, she'll be mostly Influencer, but since she'll be tactical in combat I think she'd also be a Cold Reader when it comes to assessing potential threats and their capabilities.

'part two: choosing your features' can be found here.

11 months ago

How to Write Strong Female Characters

Even if you write female protagonists all the time, subconscious biases can make them weaker than we intend. How can you make sure you write strong female characters? Use these tips while cretating your protagonists and supporting cast members so readers admire and connect with your story.

Note: This article is about writing cisgender characters and the stereotypes regarding them. To read more about writing incredible trans women characters, this post and this article are some great jumping-off points. A future post from me about writing trans protagonists will give the subject the space and time trans characters deserve.

1. Write Human Flaws

Women are often written as perfect or near-perfect characters. People expect so much of women in the real world—we want them to be attentive, fun mothers while being sexy spouses and respectful daughters. They have to succeed in their careers to provide for themselves and their family, all while fitting within the feminized constructs that make toxic male egos feel safe around women.

Basically, it can make writers create essentially perfect female protagonists. They handle everything well and when they can’t, they always find an answer to their problem.

Readers will connect more with female protagonists who are flawed. Your female protagonist should get angry, say the wrong things, make bad choices, and put herself first sometimes.

2. Avoid Objectification

Objectification is anything that makes a person feel less than fully human. It’s the scenes we’ve all read and movies we’ve watched where the female protagonist does something incredible—they save the world or take down a supervillain—and their partner, stunned in a love haze, says, “God, you’re beautiful,” before they kiss.

Complimenting female characters like this after they reach their resolution belittles their achievements. It means that even with their brilliance and courage, they’re still acceptable because they’re beautiful. Their beauty is ultimately the most important thing about her and the best way to remind her of her worth.

Other forms of objectification can sneak past a writer’s mind. Watch for these stereotypes as you work through your initial draft:

Describing her body parts as she gazes in the mirror

Saying she’s “different,” “odd,” or “unique” because she does a stereotypically male hobby or wears clothes that aren’t feminizing

Mentioning body parts in comparison to food

Making female characters manipulative for the sake of tricking people and not for any character growth goal/antagonist priority

Creating moments of immaturity that are seen as sexy (like whining being cute or pouting being hot)

3. Assign Individual Goals

Women are often written as self-sacrificing characters. They give up their time and energy for other characters because it’s what people expect of women in real life. Strong female protagonists need goals for themselves. If they don’t have an individual dream that makes them fulfilled or excited, they’ll swim through your plot exclusively for other characters’ arcs.

4. Watch for Female Cliches

Female characters often fit into specific cliches that are easily digestible for readers with conscious or subconscious sexist views. See if your characters fit into some of these common cliches to add the right flaws or arcs to make them fully human:

A symbol of purity: this protagonist never makes mistakes, is always sweet, and doesn’t have any sexual desires.

Femme fatale: this protagonist fills every room with sexual energy, only wears revealing clothes, and kicks ass with unearthly sexy grace.

A heartless bitch: this protagonist is always miserable for other characters to be around for no explainable reason, snaps at everyone, and basically takes on the role of a gradeschool bully at any age.

A pixie dream girl: this protagonist has no goals or arc of her own, exists to inspire other (mostly male) characters, and functions primarily as a plot device.

A Mary Sue: this protagonist can do nothing wrong and solves problems that she’s unqualified to do (minor example: Anastasia Steele in 50 Shades of Grey running a publishing business fresh out of college, where she didn’t study as a business major).

-----

Writing great female characters isn’t impossible. You only have to be aware of how those characters have been written poorly in the past. Watch for cliches and learn about examples of characters gone wrong to make your protagonists feel authentic, no matter what your plot has in store for them.

6 months ago

reblogging this for the future

I feel like I should make a post about this because it’s not something that’s very well-known, and that Americans in particular may need to know about given the uncertain state of our healthcare system at the moment. I’ve wanted to write this out for a while, It’s kind of a long post, so sorry about that!

If you have an emergency and have to go to the hospital, you’ll owe the hospital a lot of money. (I got into a car wreck and broke my ankle and my arm. My hospital bill was around $20,000)

You’ll also owe the ambulance provider, if you need one. (My ambulance bill was about $800)

You may get separate bills from the anesthesiologist or surgeon. (My anesthesiologist bill was $1,700)

You may need follow-up appointments. (My orthopedic surgeon billed me for the appointments and his surgery together and it was about $1,000)

You’ve also got to pay for medical equipment you need afterward, like crutches or a walking boot. (Mine cost about $75)

Altogether, I ended up with almost $24,000 in medical debt from one car accident. That’s a really scary number for someone like me who makes $10/hr at a 12 hour a week job.

I got my debt down to $1075 by making some phone calls and submitting some paperwork.

The first thing I did was contact the hospital. They don’t make it easy to find, but many hospitals (perhaps most hospitals?) have financial assistance programs for people who can’t afford medical bills. I don’t make a lot of money, and I have bills to pay, so they were able to help me. I called the billing department and asked if they had any assistance programs for low income people who can’t pay their bills. I had to call multiple times, and I got transferred in circles by people who didn’t know what I was talking about. Finally, I got an appointment with someone in “Eligibility Services” (I don’t know what other hospitals call it, if it’s something different). I had to bring my pay stubs and copies of all of my bills. When I got to the hospital for the appointment, nobody knew what I was talking about so I had to wander a little to find where I needed to go. I spoke with the guy in Eligibility Services, and I waited for a decision on how much of the bill they would forgive. A month later, I got a call telling me it was totally forgiven.

I did the same thing for my ambulance bill and my anesthesiologist, but the process was a LOT easier. I just had to mail some paperwork and it was totally forgiven.

I didn’t bother with the medical equipment suppliers, since the bills came from separate companies and I didn’t feel like going through the process twice for $75. I was assured at the hospital that they had similar programs for debt forgiveness, so I could have probably avoided paying that too.

The only thing I couldn’t get taken care of was the surgeon/follow-up appointment cost, but they were able to put me on a no-interest payment plan.

Medical debt is scary because it’s something that can come from stuff that’s already really scary. I didn’t need the burden of $24,000 in debt on top of trying to get around on a crutch with a broken arm (it’s not easy, believe me!).. but I can’t imagine what it would be like with a bigger debt or a more severe medical emergency. I see lots of people in even worse trouble than I was in, both financially and medically. Please know that there are options for you when that GoFundMe doesn’t do enough. Even if your income is higher than mine, it’s worth a shot even for partial debt forgiveness.


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