This loan has been partially repaid and partially forgiven.
First Posted On: December 22, 2008
Name: Michael Z.
Age: 10 years old
Diagnosis: Autism (severe), MR
Loan Sought: $500
Loan Needed For: Initial DAN! [Defeat Autism Now!] doctor appointment. The appointment will be with Jennifer Reid, N.D.
Repayment Terms: 18 months (~ $27.78/month)
Other Notes: Michael's mom, Mary, writes: "My son is non-verbal and severely affected my autism. He has not received the help he deserves because of my financial situation. My son's insurance does not cover any DAN! doctors or biomedical treatments. I would greatly appreciate any money that could go toward my son's recovery. I have been told to just put him in a home. My family doesn't believe in biomeidcal treatment, and I have no support to help my son. So this site has given me hope." Mary learned about Lend4Health from an online support group called OR Recovery. She filled out the loan request form the very same day.
Michael's Community of Lenders:
Renee: $25 [made outside of ChipIn, so ChipIn goal amount was reduced by $25]
UPDATE - UPDATE - UPDATE
December 22, 2008: Michael's loan has been fully funded! Wow, that was quick! Thank you Jan, Renee, and Tim!
December 22, 2008: Note from Michael's mom, Mary: "I just want to take the time to thank you for lending money for Michael to begin the road to recovery through biomedical treatment. I appreciate this more than anyone will ever know. This went so quick, in less than 24 hours the money was loaned. I am so excited and feel so blessed that there are kind people who are willing to help my son. I cannot even begin to explain how grateful I am. I promise to keep updates coming, and again thank you all so very much. I also want to thank Tori for starting this incredible organization. I am so glad I found this website."
December 23, 2008: Promissory note sent to Mary for signature.
December 26, 2008: Signed promissory note received.
December 30, 2008: $500 loan sent to Mary via PayPal. Loan repayments will begin on February 15, 2009.
December 30, 2008: Update from Mary: Michael's first DAN! appointment will be on January 16. She was very excited that she could get in that quickly!
January 9, 2009: Mary was having problems with PayPal, so she rejected the payment made to her on December 30, 2008, and a check was sent instead.
January 14, 2009: The check was deposited.
January 16, 2009: Michael had his first DAN! doctor appointment today, which was paid for with this Lend4Health loan. Here is the update I received from Mary that night: "I can not thank you enough for the help with the biomedical treatments. We had our first appointment today. Gosh it is spendy!!! But the doctor was Awesome, she was very down to earth, full of information and wanted to help my son. I am excited about this. She has a good record of recovery in Autism. I sure do have a lot of work to do though, between the vitamins, tests and the GF/CF diet I will be busy. Any results will be well worth it."
January 18, 2009: More details from Mary on Michael's first DAN! visit: "The initial visit cost $250.00 for just one hour with the doctor. We drove an hour and a half to see the doctor and spent about 2 hours there. After going over Michael's history, the doctor had many tests she would like to run. Unfortunately they are all expensive and apparently our insurance will cover none of the lab costs. So we were only able to have a blood draw that will test for about 50 different things and is important, but the most important test the doctor would like to run is called a Metabolic Analysis Profile. This test will cost $250.00 copay and $1500.00 for the lab workup, unbelievable! Besides the bad news of not being able to have this test done. Dr. Reid wrote a treatment plan for Michael which includes the GF/CF [gluten-free, casein-free] diet, a multi-vitamin called Spectrum Complete, and Michael will be getting methyl B12 shots a few times a week, he received his first shot at the appointment. We will have another appointment to discuss the blood work. Michael behaved the best he has ever behaved at this appointment. It is almost like he knew this wonderful lady was going to help him."
February 15, 2009: The February repayment installment is past due. Mary contacted me prior to the due date and explained that the payment will be late because they had a higher-than-usual electric bill this month. I will post again here when the payment is received.
February 20, 2009: First repayment installment of $27.78 received. This is the February payment, and it will be counted as "late" now instead of "past due."
March 19, 2009: The 2nd repayment (due March 15) is past due. I will post again here when the payment is received.
March 19, 2009: Mary requested that her payment date be changed to the end of the month instead of the middle of the month so that it wouldn't conflict with their electricity bill. In order to keep payments at the same time as other Lend4Health families, I have changed it to the beginning of the month. So this payment will now be due April 1 and subsequent repayments will be due on the 1st of the month. This means that I also have changed the March payment (see March 19 above) from "past due" to being not yet due.
April 9, 2009: The 2nd repayment (due April 1) is past-due.
April 15, 2009: Note from Mary: "Hi Tori. I want to apologize for the missing payment. Money is so tight here, it seems we are always on the verge of not being able to pay rent or some utility. I wanted to let you know I have been applying for loans to pay off this loan and I am also looking for a job. To update Michael's progress, well he hasn't made any. He had some more self stimulating behaviors and I asked his DAN! doctor about them and she said his brain is working more but to cut down on the dose he receives. She also told me until we get the metabolic test done she can only guess what to try with him. So we are not making any progress currently....still here praying and hoping."
April 24, 2009: $10 of the missed April loan repayment was made by Ethan & Alex's mom, Angie. She writes, "We are paying it forward from the generous Angel who helped us. I know its not much, but hopefully will help a little for now..." The remainder due on the April installment is $17.78.
April 25, 2009: The remaining $17.78 of the April loan repayment was made by Dana C, a lender, supporter, and volunteer on Lend4Health. The 3rd (April) loan repayment is now considered received. It will be counted as "late" instead of "past due" in the statistics.
May 4, 2009: The 3rd (May 1st) payment is past-due.
June 4, 2009: The 4th (June 1st) payment is past-due.
July 8, 2009: The 5th (July 1st) payment is past-due.
August 13, 2009: The 6th (August 1st) payment is past-due.
September 15, 2009: The 7th (September 1st) payment is past-due.
October 7, 2009: The 8th (October 1st) payment is past-due.
November 17, 2009: The 9th (November 1st) payment is past-due.
December 17, 2009: The 10th (December 1st) payment is past-due.
December 17, 2009: The 11th (January 1st, 2010) payment of $27.78 has been received, early. This payment was made by "Santa."
March 24, 2010: The 12th (February 1st) payment is past-due.
March 24, 2010: The 13th (March 1st) payment is past-due.
June 4, 2010: The 14th (April 1st) payment is past-due.
June 4, 2010: The 15th (May 1st) payment is past-due.
June 4, 2010: The 16th (June 1st) payment is past-due.
July 27, 2010: The 17th (July 1st) payment is past-due.
September 24, 2010: The 18th and final (August 1st) payment is past-due.
September 24, 2010: A letter was sent to Mary in the mail asking if she would like to reschedule her repayments, or if she needs to default.
January 1, 2011: A total of $83.34 was repaid on this loan. The remainder of $416.66 has been forgiven. Michael's lenders have received repayments based on the percentage of the total loan amount they contributed.