Has Anyone?

[1171]

Get counselling both personal as well as family. It's almost imposssible to pull yourself out of the spiral without outside professional help. The emotional side of a serious injury can be just as disabling as the physical.
Don't pre-judge the financial options out there. Most mortgage and lending institutions have disability provisions built in. contact them. Discussing it with your creditors before you get too far behind is much better then waiting until it's too late. The number one problem is people wait too long to tell them they are on disability and need more time.
If you don't feel comfortable  making such arrangements yourself there are many "debt management" companies out there who will charge you for making the same kinda calls.
There is help out there; reach for it.

[Pooh]

Thanks 1171 - I knew I was forgetting something that was out there

[debysu47]

Thank you all for the wonderful advise. For the most part my husband does know the financial side of things. Most of the things I have already done. Like cut back on the tv channels, cut my phone down to just a basic line, already have dial up. Had yard sales, with signs posted everywhere, advertised in paper and 2 whole people came.
Haven't tried talking to mtg co mainly because we refinanced last Oct just to save ourselves then. I guess I have a problem bigger than me this time.
I am really sorry that I even posted my post. I feel embarrassed now.
By the way my state is Tenn.
Again I just wanted to say thanks for listening. I will check into things. I dont believe that we have any free clinics anywhere and any that go by your income will say we make too much just based on my husband's income. They do not take all your bills into consideration.

[capricorn]

Debysu..........along with all the wonderful ideas you have been given I have to say that one of the things hubby and I did was take out a Home Equity Line of Credit. We paid our cars off, all charges, and as you did cut all utilities back to the bare minimum. We were given such a great interest rate that we saved almost $1000 a month. The Line of Credit payment was only $101 a month where our car payments alone were $500. This bought us somemore time. I am not a spender but hubby is. I had my work cut out for me. 4 years later he's tighter than I am. LOL he has learned to food shop better, and looks at wasting money as "Ok $10, that will buy this, that, and this." Please don't be embarrassed. We have all been there.


CAP

[Bad Boy Bad Boy]

My Cousin lives in Tenn. and what she had done was went to the closet church, and they helped her out. They paid her rent so she could pay other bills, then if she could pay the rent, they supplied her with food. It might be a good idea to think of. Don't be embarrased.

[1171]

here are more resources to explore

http://www.lifelinesupport.org/li/low-in...t/browser/
http://www.acf.hhs.gov/programs/liheap/
http://www.needymeds.com
https://www.rxhope.com/pap_info.asp
http://ask.hrsa.gov/pc/

[MJC]

Debysu,

Our members on this forum will not allow you to give up.  We will help you in any way we can as this is a caring family board.  I have been in desperate situation myself during my 8 year battle with WC.   I will share with you and now everyone else that 2 years ago I wanted to blow my head off.  I came into the house for the gun and there were no bullits.  Not knowing anything about guns at all, I went to a store to buy a gun.  In our state we have a waiting period to purchase guns so I could not do that either that day.  I was running around like a chicken with my head cut off that day.  When I truly thought about what I was doing something happened and I grabbed my head.  Thank God I did.  Just wanted to share this with you.  I am in treatment for 2 years now.  Please seek treatment.  Take Care!

Cajun Hugssssssss,
MJC

[monster]

Dear Debysu,

You need not be embarassed about anything you post on this board. I believe I remember posting something along those lines when I first found this site and MJC - so happy to hear that you are still with us and in treatment. I was in your shoes as well and somehow managed to drag myself back up with a mostly positive outlook on life. Humor helps me alot, that is why you will often find me clowning around in the off topic section rather than giving advice. It's my way of relieving the stress and even pain that we go through.

Debysu, please talk to your local churches and check out the sites that 1171 and others have posted. If your cars are financed try what I suggested. All they can do is say no and you will be no worse off.

Take care and use that # whenever you need to and call your doc!!!

Big Hugs,
monster

[Sithie]

Hello Debbie Sue, I am Sithie. I read your post and it sounded like I wrote it. I have been where you are, and it is hard. And scary, and embarrassing, and so very very depressing. If I can impress one thing on you, that for me changed it all, it is to sit your hubby down at the table and say"We gotta talk." Not just to tell him face to face how bad the bills are, but to share how scared you are. Tell him why you cry at night, and why you are so short tempered and so on and so forth. Men are fixers, and him hearing you cry, and seeing you emotional torn up, but not fully understanding why is tearing him up. If he is sharing the burden with you, and has the oppertunity to be your crutch right now, you will help his feelings, which will help you, cause helping someone always does, and will help your marriage by bringing you closer. Some problems cannot not be immediantly fixed, but they can be brought out and shared and I swear they shrink! We are to the point here, it is a running joke, one of us hits a light switch, and the other one hollers"Hot Dang, another day outta the dark"! I cannot think of anything I can add to what the others wrote for resources, except remember pride goeth before a fall, so use the help available. Please get help for the depression, you are a smart, beautiful, intellegent woman who is loved and needed, please love yourself enough to get the medical help to see you through a rough time you did NOTHING to deserve.

I am here, and willing to talk, anytime.

Sithie