Tom is a client that needs help the most. He is someone who has undergone a potentially life changing event or accident that wasn't his fault. Medical bills are mounting and Tom has no idea how to handle the deluge of paperwork that has started to fill his mailbox/inbox. He has health insurance but is confused why he is still getting bills from the hospital. Tom is concerned about what his next steps look like and how he is going to take off time from work to have the surgery which was recommended by his doctor.