Help for Critical Illness/Diseases

I am from Kolkata, India. I am 41 years old. I am married and we have a 4 years old child (girl). 

We married in June 2000. I used to work in FMCG company as IT Executive. We had a very happy marriage life. But after 9 months of our marriage, my wife was diagnosed with Endometriosis Cyst. It is also called chocolate cyst. It is a very rare disease. We came to know that it has no medicine to cure permanently. Only you can stop this cyst for a certain period. And after that you need to operate the same. This cyst is basically a jelly layer on Ovary or Uterus. So after 2 months, my wife had to go for operation to remove the cyst.

But after few months, she again developed the same Cyst. Doctors also told us that it will grow again. Then she took some hormonal injection and medicine to stop that for a certain period. But after few months, she had to go for another operation. In this way in 7 years she had to for 6 operations for cyst and one operation for breast tumor. In this 7 years she had twice miss-carriage for the Cyst. She had a very tough time.

Then doctor advised us to go for Test Tube Baby. If it is successful, she may recover for some years. Because one mature pregnancy can stop this diseases for few years. Then we went for Test Tube Baby in 2008. But it was unsuccessful twice. Then doctor advised us to go for my wife’s Ovary and Uterus removal. It is the only one option at present. So that I can save my wife’s  life. Then end of 2008, Ovary and Uterus were removed. Then my wife is only 35 years old. It is very sad for any lady. After that we have adopted our baby in April 2009. Now she is happy, I am also happy.

But actually we are always very tensed about our debt. In the above 8 years I have finished all my savings and have a debt of USD 12000 approx. In last 4 years I am only paying the interest of my debt. Now our daughter is growing. We need to fulfill all her requirements. Our problem is the debt. We do not know how to pay this.