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When illness strikes, what happens if you can’t pay? That was the top concern for msnbc.com readerswho voted on the most pressing issues in the health reform debate. To help answer that question, we’d like to hear from readers who’ve faced medical bills that threatened to ruin their lives, whether they had health insurance or not. We will feature the resulting story and multimedia report at doseofreality.msnbc.com.

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Here’s how it works: Tell us about your family’s medical bill dilemma and how it directly affects your life. Be brief, but be sure to include details about how you got sick, how the bills piled up and whether you expected to be covered in case of a health care emergency.

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Tell us about how your medical bill problems impact your daily routine. Have you had to make specific changes or sacrifices? What are they? Where do things stand now?

What’s the solution to the problem of out-of-control medical bills? Are you optimistic that health reform plans now being considered will solve the type of problems you faced – or not?

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