I am a mother of a 2 year old son.  My husband and I try very hard to make a home for our family.  He lost his job the day after Christmas and has had trouble finding another one.  I have picked up some contract work, and am now working two contract jobs in addition to my full time job.  I was diagnosed 2 years go with multiple sclerosis, so the extra work is not an easy task.

Anyway, we got behind one month on our house payment and have been unable to catch up.  Our bank is demanding two months (the behind month plus this month) payment within 48 hours.  I don't have it and don't know what to do.

Hi,

I work hard to pay bills as they occur, but I have hit one bill that is for my primary doctor that I cannot pay!  The doctors service is always the best and I just can't seen to get this one bill paid and it is growing monthly to the point It is out of control.  Originally I thought to myself that I could catch it up next month, but that was an impracticle thought as each month it gets bigger and bigger!

I do have medicare which is a help, but am unsure how to t ake care of this bill.  Medicare does pay 3/4  of all of my medical bills to a point, but it seems just 25% is growing out of control! I am not sure what to do!

I am sure my biggest problem with this is that with Multiple Sclerosis I have more medical bills today on a regular basis, but having been a person who was always responsible for myself, I feel helpless now.

I just received my latest bill from the doctor and can see it is growing beyond me.  Presently the bill is $184.52 and I know that is trivial, but for me it is a million leaving me with the thought that I should just not go to the doctor and I know that will leave me physically going down hill as monetarily I am going down another hill!

Life for me has gotten too hard to live on many fronts at the same time.

I was diagnosed with multiple sclerosis on August 16,2006. Since that day my life has become a living hell. From falling, to not being able to control my bowels and bladder. I’m about to be kicked out my apartment and don’t have the money to find a new place. I don’t like the direction my life is taking.

Hi,

      My name is Chuck and I live in Suffolk County, NY. I have a beautiful, wonderful wife and six terrific children, ages 7 1/2, 6, 4 1/2, 3, 2 & 9 months. Our troubles started when my wife was diagnosed with Multiple Sclerosis in August of 2001. We had just bought our home and had our second child in April of that year. She was unable to work for awhile, mostly because of complications from the second pregnancy, but she now works days 8a-2p because we need the money to help support our household. I work from 4p-12a due to our child care needs. I watch our children during the day while my wife works-this consists of getting all 6 changed, dressed, making lunches, packing up backpacks, etc.. The oldest 2 get on the bus at 9am (during the school year) and then I pack up the other 4 and drive the 4 1/2 yr old to preschool every Mon, Wed & Fri. After dropping him off at 9:30 am, I try and do any errands so my wife won't have to (grocery shopping, doctor's appointments, etc.) then I pick my preschooler up at 12:00, bring them all home, give them lunch and then put the youngest 2 down for a nap around 1:30-2:00. I then get myself ready for work, my wife comes home at 2:45, we have about 5 minutes with each other, and then I have to leave. She takes care of getting the older ones off the bus at 3:45, helping them with their homework, making dinner, showers/baths, storytime and then bedtime around 7:30p-8:00p. She also volunteers at our Church on weekends whenever she has time. My reason for writing this is that I am a 36 year old married father of 6 and I am in a desperate financial situation. I used to make ends meet by working as much overtime as I could get, mostly on Sat. Sun and Holidays. My company recently cancelled all overtime because of the expense and less of a need for it. My wife hated that I was not home more often, but understood that we needed the money to be able to afford our house and the monstrous expenses we have in raising 6 children. I have always felt like a failure because I don't make enough money to allow her to stay home and not have to work, not to mention being unable to afford any vacations, or an occasional nice gift for my wife.Well, since they cut all my overtime, I have used up the equity in our home, as well as borrowing from my mother, just to keep ourselves current on our bills. I am now about a month away from running out of money completely, and am now in heavy, heavy debt. My mother borrowed against her house in order to help us, with the understanding that I would refinance in the future and repay her-she is now having trouble making the larger payment and I have no money to give her towards it. We don't live extravagantly, nor do we shower our children with needless gifts-our families have been very generous with my children and any extras they have come from them. I have tried refinancing (yet again) but am told my debt to income ratio is way to high to qualify me for a loan. I have been looking for some sort of part time job, but the only hours I would be able to work are Saturday & Sunday and I cannot find anything that will accomodate that-I've even looked into starting a business-a vending route, etc-but they all require a substantial cash investment that I do not have. I have no way of moving somewhere cheaper either-my job does not offer out of state transfers. I don't even know why I am laying all of this out here-I doubt anyone can help me given the size of my debt (over $50,000.00) I just wish I could find a way to consolidate my debts into an affordable payment and maybe not have to worry so much-I pray every night for a miracle but I am losing hope. My wife is a wonderful, loving, caring woman who deserves better than this......better than me. If anyone has any suggestions, insights or ways to help, please email me at chuckhd@optonline.net      

i am a 49 year old woman who is just had it, i lost a marriaqge of twenty years from a cheat and abusive husband.

i lost my job apartment car etc................... for being sick i have multiple sc;erosis, surprise diagnosis after being injured at work as machine fell on hand and arm and it wouldn't heal.

i live with a man who i thought was the crap, for the first 4 months now 4 years i am stuck, no family to help me i need to know what to do to get started, i applied for disability in 20056 turned down, still waiting for a hearing, this man is abbusive and i won't go to shelter becauase i have 2 dogs i love dearly, and my bae/kin my cat who is 19 yrs. old  pets are good they keep me acctive, i applied for state welfare and recieve 203. a month who can find a place of their own and transportation and food and clothing on two hundred dollars, i want to relocate close to my aunt who if she had the resources i would have them, she like my self believe in paying it forward. so in the mean time i get to hera what a stupid c---t iam every day, i keep the faith someone can point me and my boys in the rite directions or maybe give me a kick in the pants, so i am homeless, abused verbally, and my fav disabled open for any thing ya got to say. thank you.

I am at a loss. I was married for 28 years and divorced 2 years ago. I had spent the last 4 of those years traveling 1000 miles back and forth from my home to my mothers. She has been a cancer patient for the last 6 years now. My Ex had promised to move the family back to the state my mom lives in to help with her care. He moved me into a house, in which he rented and he moved me down and paid for the set up and everything. Then he filed divorce against me for desertion. He had a girl friend that I didn't know about, and apparently needed me out of the way. Well due to the lack of money and a "good" attorney, I got screwed out of what I was due according to the states law, and my Ex was able to get his files and info sealed from disclosure. I have no skills inwhich to get a job, nor do I have any knowledge of financial responsibility. Everything was always taken care of by my ex. I didn,t know what we had or what came in or what went out.

I thought I could make it on my own. Why not everybody else does it. I met a nice guy and all was going well again for me for a while. We were going to get married. Then He disappeared.    No contact. no info, all previous info and contact availability was gone. No family contact, nothing. as if he or his family never existed. How is that possible?

He took what little money I had, ran up all of my credit cards took out loans in my name on line. He has ruined me mentally and financially. I am about to loose my home, my vehicle and my life. I owe more than anything is worth. I am stuck living in an area where there are 9500 people in the county and only 4500 jobs. My mother cann't help, she's on retirement, and she is in failing health from lung cancer.

I have looked for work of any kind, in the area. All I hear is , you have no expierence. The closest larger city is 32 miles away. I might find something there, but the gas prices keep me in my own town. My only transportation is a van. So, all of my trips to town are planned to keep gas usage at a minimum. I tried trading my van in on a smaller and more econimical vehicle. But no matter what vehicle I looked at, The company's I was dealing with always wanted a cash payment. Even if my van was worth more than the vehicle I was looking at. In other words " no cash no deal" I don't know what to do.

I don't have any family or friends that can help. I have tried. I used to do volunteer Health care work. But that doesn't pay or help me now that I need the help. I haven't been able to get a job in that field either, because of " no education".

I need help! I am so lost.

I'll go to school, I'll learn to do what i need to in order to make everything right.

I just don't know hwere to turn or how to get out of this problem.

If you can advise or assist or both I would be grateful.

thank you,

Rosie

MY BEST FRIEND FOUND OUT 2MTHS AGO THAT SHE HAS MULTIPLE SCLEROSIS SINCE THEN I WOULD SAY SHE HAS BEEN IN THE HOSPITAL A GOOD 10 TIMES. GREAT NEWS THE DOCTORS SAY THAT IF TREATED IMMEDIATLEY THEY CAN SLOW THE DISEASE SO MUCH THAT SHE COULD LIVE A NEARLY NORMAL LIFE WITH A DRUG CALLED REBIF. REBIF COSTS $20,000 A YEAR, THATS THE COST BEFORE IT GOES TO THE PHARMACY AND THEY MARK IT UP. SHE IS ONLY 24 SINCE THE 2 MTHS AGO SHE HAS LOST SIGHT IN ONE OF HER EYES AND HER BLADDER HAS STOPPED WORKING TWICE. HER INSURANCE COMPANY JUST SENT HER A LETTER SAYING THAT SHE HAS USED UP HER LIFETIME BENEFITS. SHE IS TRYING TO GET DISABLITY AND WITH THAT SHE WOULD GET A MEDICAL CARD BUT THE TIME THAT IT WILL TAKE TO GET THIS IS CRUCIAL WHAT WILL BE WRONG WITH HER WHEN TWO MORE MONTHS PASS? PLEASE HELP DIRECT ME IN A WAY TO WHERE I COULD FIND SOME HELP FOR HER I DONT WANT TO SEE MY BEST FRIEND BE CRIPPLE BECAUSE SHE WAS TOO POOR TO PAY FOR TREATMENT.   THANK YOU DANIELLE HEATH (DANIELLEHEATH3383@YAHOO.COM)

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Feel free to participate in this public group space.

Two easy ways to do this:

1. Add a comment or a question here - on this page... or on any other page in this space.
   
2. Or, if you want to start a separate thread - make a new page.

Either way is good - the important thing is your participation. On Aidpage, people support each other by speaking out and by paying attention to each other - as simple as that.

Iam in need of some help with my teeth,I am over 65yrs old

and I was told that I have gum dease and infection is not good

for my heart.my parcials is broken and my fillings is out.I have

crazy glue holding them together.I was also told I need my wisdon teeth grilled out because the are still havenot cut through

my gums. Iam unable to eat certain foods because of my teeth &

gums, Iam on fixed income and section 8 housing.

I would be thankful for any help.Please,please, conect me to someone who could give me some help.

thanks, very much, my e-mail address; mst07@aol.com

I started having severe health problems during my pregnancy with my daughter in 2003.  Since then I have been diagnosed with Multiple Sclerosis.  I have not worked since 03 and this has created a severe economic hardship for my family and me.  In 2004 I applied for Social Security Disability.  Since then I have been denied twice and now I have been waiting over a year for the decision on my last appeal.  I just don't know where to turn.  This whole process is exhausting.