I need some help & guidance

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erin.K
Veteran Member


Date Joined Mar 2005
Total Posts : 3148
   Posted 6/12/2007 1:33 AM (GMT -7)   
hey again,
 
so it seems like A LOT has been accumulating & i know all of you have so much great life experience, wisdom, ya'll know what we go through myself included,  and i do trust you all.
 
so here it is; i'm feeling NOT SO GOOD in pretty much all aspects of well being.
 
yes, i am coping & handling living with my capabilitie and also my limitations. i am not severely depressed nor suicidal or anything like that.
but i do feel as though i am in trouble? if that makes any sense?
 
i had to leave work in May 2005. this was only 1 day per week for 6-7 hours. THAT was ALL i could do with the RA getting worse, Crohns acting up & the severe joint pain.  being at my place of employment for nearly 10 years, i basically was my own boss; my responsibilities were near ZERO.  all i had to do was SHOW UP, sit there, oversee my employees,  close shoppe & tend to financial/clientele/sales here and there.
i did that for a good year, but towards the end i couldn't make it through even 4 hours & was missing severel days/month.  so i did have to leave.
 
denied disability 3 times, this is the 4th with an appeal & a trial "set" for december.  i don't hear anything fom NJ SSDI about any of it.
 
i had to go on...well, welfare since 2 years ago.  the only person who knows this is my mother and well...YOU ALL NOW.  my father ditched me totally in regards to health insurance so I HAD to do it...for Medicaid. that covers all meds but only my PCP.  rheummy i pay out of pocket.
the funds i get amounts to $210/month.
i was "getting by" for about a year with just that money to cover my bills (all credit card debt & medical appt. fees & past due tuition payments.)
 
i have been employed ALWAYS since age 11 (all with state taxes & legit). when i got older i always paid my credit cards if not in full, then at least double the minimun amount.  i worked 2 to 3 jobs always up till age 21 (then as RA got worse i had to cut down on hours)
 
for the past 8 months the bills are so out of hand now that i cannot make minimun payments on ANYTHING.
 
am i facing bankruptcy?  every CC co. is calling ALL DAY b/c i'm behind on all of them.  none of them think i can consolidate on a $210/month budget.
 
has anyone been down this path?  is bankruptcy as terrible & difficult as it seems?
if i was awarded my back pay & disability i would pay off all debts RIGHT NOW.
total debts in credit cards alone equals about $14,000
this is no shopping spree either.  all doctor visits, meds, college tuition. and these are all from over 2 years ago...no new purchases in a year.
medical/hospital totals about $25,000
 
i had no idea that i would be LIKE THIS at this time in my life. i am not engaged to my boyfriend so i do not feel it right to ask for money for this & i am not the type that would even think of it.  also, there is no one in my family i can take a loan from.  my father who can spend 40 grand on a booze cruise makes no contact with me.
i would like to get married some time within the next 2 or 3 years & the thoght is mutual, but i do NOT want to do that in this situation i am in now & i would like to contribute at least something.  i also do not want to "depend" on another person for my survival.
 
has anyone done this? when you've always been able to provide for yourself; then YOU CAN'T? where do you start?
 
2nd issue is health.  i've been busting my a** since 2001 doing all i can to "get to a point where i can work steadily"  and it has not happened.
failed several meds for RA already & it still is progressing.
 
i can't even do "basic" things on a normal basis such as showering or even  keeping Dr. appointments because i can either not walk, not stand, or the pai i s too severe or i'm on the pot.  even with typing on the PC?  here and there but only a few minutes at a time.  not dependable to keep "dates" i.e. going to the mailbox, banking on time, a dinner, going away on a weekend to my hunny's even; can't do the car ride.
 
so what happens if i'm again, denied for SSDI in december?
is this a case where an attorney is absolutely necessary? and how do you find one?  i get mixed messages where some say "you won't need a lawyer" and some say yes you do.
 
if this reads anything like what anyone has gone through i would really appreciate any guidance on how to start.  i'm starting to get a lot of anxiety now about all of this.
thanks so much
erin
 
 
 
 
Arthritis Forum Moderator & Co-Pilot
Active Severe Rheumatory Arthritis. AS. Crohns Disease. A.Chiari Malformation & right brain venous anomoly. Partial Complex Seizures (under control!). MVP & Tricuspid Valve Prolapse. Rheumatic heart & lung. Kidney Stones (oh joy). Previous Lymes Disease for 10 years.
Meds: Remicade infusions 600mg Q3weeks; Intra-articular knee injections; 6MP 50mgQD plus 75mg weekly; Mesalamine 4GramsQD; Prednisone 20mgQD; Entocort 9mgQD; Meclizine; Augmentin; Tigan 300mg; Reglan; LidoDerm; Diazepam 5mg; Rozerem 8mg; Diclofenac; Celebrex; Percogesic; Dilaudid 4mg. 


babyplace
Regular Member


Date Joined May 2007
Total Posts : 499
   Posted 6/12/2007 5:35 AM (GMT -7)   
Dear Erin,
Haven't been through this personally, but do know of a few people who applied for disability, and it took them for ever, it seems, to get it. They each got a lawyer after getting turned down a couple of times. I don't know how it works where you are, but the disabilty attorneys advertise all over the place. They give free consultations, which may be a pain, but perhaps if you talked to a couple, you'd find one you like? I think they include their fees in the settlement.
Doesn't seem like you have a choice about the bankruptcy...and you certainly shouldn't feel bad about it one bit!! You worked so hard and supported many, many people who abuse the system every day...now you need help, for legitimate reasons. Think your father should be ashamed of himself....would love to talk to him!!!!! But, that would be another soapbox for me, absolutely do not get parents who can abandon their children, at any age, when their kids need help...
My neighbors recently went through the whole bankruptcy process, and sai it was pretty painless...the creditors stopped calling right away...by law they have too.
Anyway, probably not much help here, but want you to know that dI'm sending prayers and support your way.....sure would help if i could!!
Jody

momto3
Veteran Member


Date Joined Nov 2006
Total Posts : 1331
   Posted 6/12/2007 7:18 AM (GMT -7)   
Oh Erin,

Sweetie, Please don't feel guilty about your situation..and I don't understand WHY they make it so difficult for some to get disability. Many Many years ago, I had a cousin who with her scoliosis applied and got it just like that, and she was not even 18 yet. It amazed me that she ran around and partied until all hours of the night well into her 30's.....but she would complain of some back pain! are you kidding me?? PLEASE!! then there are people like YOU!!

I really think you need to get some advice from a reputable attorney who specializes in disability, you really need someone who is going to listen and be on your side and who can actually SEE you. I know you want to work and pull your weight and that is a great thing, but right now your health is what is more important, and all of this stress is NOT helping your health, and its only making it worse. We all know what stress does to RA!!

Now on to the bankruptcy...A few years back very good friends of our had to file for bankruptcy and it was one of the lowest points in their lives..no poor health, just down on their luck financially. It did erase their credit card debt, some hospital bills, however, they did get to keep their house, and cars. I can't remember which type they filed since I think there is more than one kind you can file?? Sweetie, there isn't anything to be ashamed of.

My only concern is that you mentioned your mom is the only person who knows your situation? your boyfriend does not? at all? If this is someone you plan on marrying or he wants a future with you, he loves you and you should be honest with him as well.

So today look up an attorney for disability, and get info for bankruptcy, quite possibly some of your not feeling well could be from shouldering all of this stress!

Sending gentle hugs, remember we are all here for you:)

erin.K
Veteran Member


Date Joined Mar 2005
Total Posts : 3148
   Posted 6/12/2007 9:35 AM (GMT -7)   
so these disability firms like Binder & Binder are not a sham? they're legit?
ok.
 
so i think that's my 1st step.  to make the phone call to one of the major disability law firms?
 
i suppose even they can tell me how to get started with bankruptcy? i don't know.
 
my boyfriend KNOWS i do recieve Medicaid...but no, i never told him that i went and filed for general assistance.
to be honest...this whole thing is breaking my pride you know?
 
he DOES KNOW that i am pursuing SSDI & he does know that i've been denied and all of that.
 
i was honest with him how much debt i am in....so he is aware of that.  recently i did tel him that i am having trouble keeping up w/ my bills & everything.
 
he does offer financial support here and there... like for a $75 rheummy appt; taxi cab fare for the ride home from chemo & the doc's.
he even bought me this laptop & pays it each month.
 
2 years ago when he asked what i'm living on i told him that i'm living off of my savings...partly true.
 
but he doesn't know anything about the welfare.
 
i even put my house in my mother's name 4 years ago b/c of this. if anything should happen i didn't want a lean put on my home.
 
i am taking what you both wrote to great heart &  i'm letting it sink in.
thank you so much for listening/reading about this.  it does make a big difference.
 
time to start making some plans...it's freaking 400 times hader when you're not feeling well to even start this.
 
thank you again so, so very much.
erin
Arthritis Forum Moderator & Co-Pilot
Active Severe Rheumatory Arthritis. AS. Crohns Disease. A.Chiari Malformation & right brain venous anomoly. Partial Complex Seizures (under control!). MVP & Tricuspid Valve Prolapse. Rheumatic heart & lung. Kidney Stones (oh joy). Previous Lymes Disease for 10 years.
Meds: Remicade infusions 600mg Q3weeks; Intra-articular knee injections; 6MP 50mgQD plus 75mg weekly; Mesalamine 4GramsQD; Prednisone 20mgQD; Entocort 9mgQD; Meclizine; Augmentin; Tigan 300mg; Reglan; LidoDerm; Diazepam 5mg; Rozerem 8mg; Diclofenac; Celebrex; Percogesic; Dilaudid 4mg. 


momto3
Veteran Member


Date Joined Nov 2006
Total Posts : 1331
   Posted 6/12/2007 11:03 AM (GMT -7)   
Erin..When I met my now husband, I was a single mom with my 3 kiddos, and I worked two jobs, I taught during the week and worked another job on the weekends to make ends meet and still struggled. At one point, I had my water turned off or "interupted", yes, went home and no water! had to take the kiddos and my laundry to the laundry mat to wash it..all the time worrying how I was going to pay to have it turned back on. Now,my mom was nice enough to watch my daughter who was 2 at the time, but that was it! My ex's family and my mom felt I was on my own with everything else. I couldn't afford to pay my entire rent so I had to ask my landlord to reduce the amount even. When I met him, he had no idea how hard it was, and I never told him, he knew my ex had taken our car from me while I was at work, even though it was in our agreement for me to keep, and I had to figure out how to get another car, I came out from school with my boys and it was gone..but I would have been mortified had he known of any of my other struggles!

I do understand where you are coming from..back then nobody knew what it was like for us, except for me. It will get better.

Keah
Veteran Member


Date Joined Nov 2003
Total Posts : 7314
   Posted 6/12/2007 5:54 PM (GMT -7)   
Erin, I really do understand. I've worked since I was 15. Now at 41, I have to ask hubby for pocket change. It's killing me. Additionally, the costs of my medical care are unbelievable. The co-pays for MD visits, meds and teasts can really add up. Then of course there's the weekly deductions from his check for the premiums and all the dental bills for the teeth that are just crumbling! We've gone through nearly all of our savings and there's no end in sight. To top it all off, my GI is *****footing around the issue of whether I even have CD. What does he care that I've been Dx for 7 years! My current tests look good to him and getting SSDI will be that much harder without the GI Dx.

I can't help much about info on bankruptcy other than that I had a friend who did it years ago, when it was easier to pul it off. Now the rules are stricter. I can't see how you'd have a problem getting it done. Medical bills are the largest reason that people go through bankruptcy. I say get the info, and just do it.

As far as your SSDI hearing - You've already been denied 3 times. Now you need a lawyer. Getting all the paperwork together and setting up your case for the hearing is something that they specialize in. They don't get paid unless you win, I think. I know that whatever they get paid comes out of your settlement, so go find one. It's funny that you mentioned Binder & Binder. I've seen their commercials and have consider giving them a call to look into filing my case. I suspect though that I'll wait until I get my first denial. Who knows, with my list of diagnoses, maybe I'll be lucky and get the approval on the first round. Well, I can dream, can't I?

Hang tight Erin. It'll be hard, but you'll find a way to work everything out and you've got some great people here to help you through it.
Keah a.k.a. Wormy
 God helps those who help themselves.
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yalinda
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Date Joined May 2006
Total Posts : 1179
   Posted 6/12/2007 9:44 PM (GMT -7)   
erin one of my coworkers son is a disability lawyer in atlanta. i dont think he an help cuz of the state difference. do you have a independent livbing center in your area? services for the disabled. often they have free legal advice. also call the nearest cities office of disabilities, they should be able to help you too! not the place that approves disability but the office that networks in your community and stands up for the disables rights every city should have one for the neighboring communities. good luck and hugs.

The Bear
Regular Member


Date Joined Mar 2007
Total Posts : 364
   Posted 6/14/2007 1:18 AM (GMT -7)   
Hey Erin it was thooughtless and dumb but heartfelt cos I couldn't do or say anything else. eyes
 
I don't know much if anything about your welfare system but am experienced through a past incarnation, at welfare rights over here and even when I would do appeals tribunal representation I would always advise people where possible to get a solicitor to represent them f it could be afforded. But one who specialised in benfit law. The winning is in the detail and the detail is always becked by law. I was fortunate that I onle did six triibunals and lost one in nine years doing disability applications. Over here the wnning is not n what you put in your application but how you put it. It means boning up on the hard criteria for the benefit and  letting the adjudicator know in your use of language throughout the application that you know the criteria and not only do you match it, but how you match it down to the finest detail. It is repetative and stating the bleeding obvious page after page but somehow you [one] has to apply in such a way that the adjudicator cannot pick holes in it and use hints of contradictions there may be [or indicated] in different pages of an application in a decision against you.
I appreciate that under the circumstances that is probably no help to you at all but you must fight this to the last and see if you can find a lawyer who will do pro bono  work for a cause. Many top line lawyers here will do this. Don't be too proud to accept charity if its charity that wins. Sorry if I am out of order here [once again]. nono
 
Good luck and fight the good fight. Your case may be one for others to follow.
Judging by what you have said and the fact that you have been turned doown three times it would appear that there are some fortuante corpses getting benefit for disabilty over there as from my perspective you have to be dead to get it!!!!!!!
Coventry calls.
Stay well [as well as you can]
el stoopido The Bear

Ducky
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Date Joined Mar 2005
Total Posts : 3199
   Posted 6/14/2007 2:11 PM (GMT -7)   
Hey Erin.. how are you? Did you talk to a lawyer yet?
Moderator of Arthritis Forum
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erin.K
Veteran Member


Date Joined Mar 2005
Total Posts : 3148
   Posted 6/14/2007 3:38 PM (GMT -7)   
hey all,
this has helped a lot.  i'm actually very glad i spoke up about it.
having my thoughts & problems written down where "i can see them"  has made things a bit clearer.
 
so yes, i am going to have my hunny help me get a lawyer for the disability.
i've made 3 of my "debt collectors" aware of what's going on.
i do feel it's going to have to be bankruptcy if they all cannot hold off until my SSDI settlement.
 
i haven't made any calls to ANY lawyers today b/c  i'm actually deciding whether or not to go to the ER. eyes
pretty positive it's an obstruction...same crap "or lack thereof" that happened last august.
so if not tonight than definitely tomorrow.
 
ok....hanging in there!  i'm OK. :-)
erin
Arthritis Forum Moderator & Co-Pilot
Active Severe Rheumatory Arthritis. AS. Crohns Disease. A.Chiari Malformation & right brain venous anomoly. Partial Complex Seizures (under control!). MVP & Tricuspid Valve Prolapse. Rheumatic heart & lung. Kidney Stones (oh joy). Previous Lymes Disease for 10 years.
Meds: Remicade infusions 600mg Q3weeks; Intra-articular knee injections; 6MP 50mgQD plus 75mg weekly; Mesalamine 4GramsQD; Prednisone 20mgQD; Entocort 9mgQD; Meclizine; Augmentin; Tigan 300mg; Reglan; LidoDerm; Diazepam 5mg; Rozerem 8mg; Diclofenac; Celebrex; Percogesic; Dilaudid 4mg. 


babyplace
Regular Member


Date Joined May 2007
Total Posts : 499
   Posted 6/20/2007 8:35 AM (GMT -7)   
HeyErin,
Was thinking of you this morning, and was wondering if any of this has worked out for you yet? To have all of this to worry about, on top of yor health, that's alot!! But you do it with such a great attitude!! Hope it's going better.
Jody

erin.K
Veteran Member


Date Joined Mar 2005
Total Posts : 3148
   Posted 6/20/2007 9:58 PM (GMT -7)   
thank you so much Jody,
i listen to my granny's words of wisdom & follow through on em' best i can always. and she says, "The world & your body can take away a lot from you...but neither one can take away your education, poise & dignity."
ok let's see...i've been not too great the past few days. struggling w/ an intestinal obstruction plus some really wicked joint pain.
the only thing i've "accomplished" regarding what i need to do is: contacted 1 more credit co. about my situation & got the # for a disability lawyer.
my house is currently being renovated by my brother in law...so the ceiling has literally been falling on me all day. it's soaked wet & the dry wall tiling collapsed. plus pipes leaked. oy!

it's hard trying to start to do this whole attorney thing with ssdi & bankruptcy...i really don't know where to start.

but i basically told al of my credit card co's that "You're not getting paid sorry."
just hoping next week is a little better so i can actually hold a phone & search through all of my paperwork.
{can't lift my arms above waist level...shoulders are out}
hangin in there!
thanks again jody
Arthritis Forum Moderator & Co-Pilot
Active Severe Rheumatory Arthritis. AS. Crohns Disease. A.Chiari Malformation & right brain venous anomoly. Partial Complex Seizures (under control!). MVP & Tricuspid Valve Prolapse. Rheumatic heart & lung. Kidney Stones (oh joy). Previous Lymes Disease for 10 years.
Meds: Remicade infusions 600mg Q3weeks; Intra-articular knee injections; 6MP 50mgQD plus 75mg weekly; Mesalamine 4GramsQD; Prednisone 20mgQD; Entocort 9mgQD; Meclizine; Augmentin; Tigan 300mg; Reglan; LidoDerm; Diazepam 5mg; Rozerem 8mg; Diclofenac; Celebrex; Percogesic; Dilaudid 4mg. 


The Bear
Regular Member


Date Joined Mar 2007
Total Posts : 364
   Posted 6/21/2007 2:59 AM (GMT -7)   
Hi there elfin Erin. Over here in the uk the cc companies can't come after you as long as you are makng some kind of payment and I beleive even if t is only ma token payment it can't count as not making a payment and it might be worth checking what the local situation is over there. The bigmistake people make in the uk is to say 'smeg them they're getting nothing'. As long as they are getting something, anything, then you are considered attempting to repay and cannot be pursued through the courts in the same way. It always stands in your favour that you are making even nominal amounts. Probably very different over there. Sorry to hear your ra is not behaving itself. Listening to what you and all the others have to say I can fully understand what my father in law went through when he was alive and more so because he was in his 70's and coping with the effects of odler age too. I consider myself fortuante so far taht I can carry on working to keep my head level about my conditions but after I retire at theend of next year it may well be harder to keep in perspective and I ma nvesting so much in my next hip replacement improving the life quality pain-wise. I'll have so much time on my hands in recovery I will never be off the thread and may even enter the chat rooms. Have you had a look at the chat rooms? The only two times I have looked to see who was i there it was full of manic depressives [or so it appeared]. Nodowner on MD but I like a little levity in my room - s'why this thread and the moani' one are so good for me. Despite all of your [corporate 'you'] pain, discomfort, etc there is humour, a great llife force. I'm starting to bullshot now [still can't get that i key to work when you want it to ].
Stay well Erin
Give my regards to the Village
The Bear

babyplace
Regular Member


Date Joined May 2007
Total Posts : 499
   Posted 6/21/2007 3:44 AM (GMT -7)   
Hi again.
Oh Erin, I am so sorry that things are so tough for you, breaks my heart, it really does, wish I lived closer so that I could help you somehow!!!
You'll be in my prayers that things will somehow start to go in the other direction. It's so frustrating for me to know about people like you who need and deserve help, and have to work so hard to get it, or or denied altoether, then there are some who abuse the system and seem to know just how to play all of the angles. That's another soapbox of mine, sorry.Anyway, at least you have the name of an attorney , that's a great first step. He will probably be able to help get you started, and be able to take a lot of the load off of you, cause then it will be his job. maybe it will be easier than you think once you get him involved, hope so!!
Must be very overwhelming with all you have to deal with, but no doubt, you'll make it through. You've been through so much at such at young age already...
Well, hope things go well with your house, too...that is a pain in itself , but good at the same time. We had to have alot of work done a few years ago, what a mess getting through it!! Didn't think I was ever going to get rid of the drywall dust, worth it in the long run though, and I had a bad case of pneumonia at the time, breathing was lots of fun.
I'll check back next week when we get back from our trip,
take care of yourself.
Jody

hunnybunny
Regular Member


Date Joined Jun 2007
Total Posts : 21
   Posted 6/21/2007 2:25 PM (GMT -7)   
Dear Erin K , I read you letter about your disability and i want to tell you to please hang in there.  I went to binder and binder.  The lawyer was an idiot but I did all the leg work myself.  Getting records, x-rays, physical therapy reports etc.  It took me four long years a lot of tears and frustration, but I got it and collected on the 4 years. It was my fourth attempt. It's not alot of money a month but the help with the Medicare insurance is wonderful.  I do not collect Medicaid only Medicare.  Hang in there but seek lawyers.  Binder and Binder does it on consignment.  Good luck, Hunnybunny
 

erin.K
Veteran Member


Date Joined Mar 2005
Total Posts : 3148
   Posted 6/22/2007 7:56 AM (GMT -7)   
:-)  thank you hunnybunny
binder & binder is actually the place that i am going to call.  my neighbor who is a vietnam war vet recommended them.
it's been several years for me as well with the denials & appeals.
so i think this is my 4th? i think.  pretty sure the 3rd or 4th denial/appeal for disability.
 
i have the bulk of my tests like bloodwork & big diagnostic things. 
wow...i can't get around too well too often; do you really have to go collect all of those things yourself?
 
would you mind telling me what it's kinda like?   before i call them (the attorneys), do i need to have any papers in front of me?  or do they tell you initially what to get together? 
when you call the first time, is it just like collecting personal information first?
 
i feel kinda funny..."Umh hi...I guess I need an attorney?"  feeling tongue tied i guess i dunno.
 
thanks hunnybunny & when/if you get a chance...i'd like to know what goes on the first phone call.
if i need to get all of my ssdi stuff, bills, etc....with my paws i'll need quite a while to get em' together.
 
thank you again so much.  
Arthritis Forum Moderator & Co-Pilot
Active Severe Rheumatory Arthritis. AS. Crohns Disease. A.Chiari Malformation & right brain venous anomoly. Partial Complex Seizures (under control!). MVP & Tricuspid Valve Prolapse. Rheumatic heart & lung. Kidney Stones (oh joy). Previous Lymes Disease for 10 years.
Meds: Remicade infusions 600mg Q3weeks; Intra-articular knee injections; 6MP 50mgQD plus 75mg weekly; Mesalamine 4GramsQD; Prednisone 20mgQD; Entocort 9mgQD; Meclizine; Augmentin; Tigan 300mg; Reglan; LidoDerm; Diazepam 5mg; Rozerem 8mg; Diclofenac; Celebrex; Percogesic; Dilaudid 4mg. 


The Bear
Regular Member


Date Joined Mar 2007
Total Posts : 364
   Posted 6/22/2007 4:17 PM (GMT -7)   
Hi Erin, good to see you getting ready psychologically for the binder and binder people whoever they may be. We have similar types of lawyers over here but they are known affectionately as Sue, Grabbit & Run. I hope all goes well for you.
Over here in Apsley we are getting used to the fact that we shall have a new vicar in the parish of St. Albion with the current vicar retirng next week to convert to the papist tradition. The Reverend Blair has left the parish in some state of turmoil with various factions at crossed swords over his crusade in the land of the infidel aided and\abetted by his brother in arms the Reverend Dubya.
Reverend Blair is obsessed with something called his legacy - what that? he expecting some money? His legacy is an ever more divided parish and the possible change of faith of most of his parishioners at the next parish council elections. Watch this space. 
Having got through POETS day without ttoo much trouble I am now looking forward to a dossy weekend doing as little as I can but I must unfortunately go to the supermaket as it is once again my turn. They see me walking through the doors and thesection managers blanche cos I like to have fun by askingthem what the gven products carbon foootprint is and where the goods have been flow in from etc. I wouldn't even know what  carbon footprint was evenif it trod on me!!!
But enjoy the wind up, if I have to go shopping then somebody has to pay. I HATE SUPERMARKETS.
THEY FORCE ALL THE LITTLE FOOD CAVES DOWN. okay rant over.
 
Hey lookat the time..................GOOD MORNIN' HEALING WELL.
 
Sorry, too much fermented berry juice again -goes with POETS DAY. Beats hump day anyway and as for humping well that seems a disitant memory to thisbear. Or may be my memory plays tricks onme who cares.
 
If you don't have any luck with constipation & constipated I'll represent you forthe usual fee of one dollar. Ifollow the Groucho Marx philosophy of lawyers, "Why this document's so simple a child of three can read it. Go get me a child of three, I can't make head nor tail of it"
LOL. How ya doin' Yally and Boo, Camama and momto4, hunntybunny and babyplace, and not forgettiing Quackers? I hope you all have a great weekend and if you need the above translating just ask when I sleep things off. It's the Glastonnbury Festival, 100000 kids camping out in a sea of mud - does nothing ever change? At least they got sanitation. Very posh. I remember going to the Isle of Wight festivals - sanitation for some was a communal  plank bench over a lime pit and god help you if you leaned over backwards too far!!!!!!!!
 
Time for the bear pit . Stay well y'all.
 
The Bear

deb in indiana
Regular Member


Date Joined Aug 2005
Total Posts : 387
   Posted 6/22/2007 8:49 PM (GMT -7)   
i thinking of you tonight.Been threw the same thing i worked 2 jobs for 28 years then i feel at work and needed a k/r so after six months i quit my jobs filed bankrucy and believe me it was a lot of stress off my shoulder and they did all the work.i am waiting for my ssd hearing my son does this on the side he is a disability advacte he is going to law school he has won all his cases but lucky me i have to go up front of the judge of all days Friday the 13 th july they contacted him i haven't heard from them and the judge wrote back and said he has 286 pages of medical on me so far.IT's been a long wait i filed Nov.2004 .So hang in there and just do it and be doone with it like my doctors said your just takings a early retirement and you can't help what your body has done to you .So take care girl and do what you have to do DEB

yalinda
Veteran Member


Date Joined May 2006
Total Posts : 1179
   Posted 6/22/2007 9:21 PM (GMT -7)   
erin i feel so helpless in this with you, but i am here for you.......... whats up with the vacant apartment? they moveed out right? or am i having a brain fart? i am buzzzed on narcotics right now so forgive my memeory. lol i do like the buzz though. havent had one in years as i gave up alchol a while back. but i am buzzed opps see gotta go back on topic. do u have a super walmart near u? crazy question but i have my reasons. lol

The Bear
Regular Member


Date Joined Mar 2007
Total Posts : 364
   Posted 6/23/2007 1:19 AM (GMT -7)   
Hi Yally what do you mean 'narcotcs' that's a term reserved for illegals - you been at the carniboils rosins again or what lol. Sore head tme and sorry bout the sermon last night but once thee words start flowing...........verbal diahorrea [can't find the dipthong in the keyboard] a nasty complaint for others to put up with.
How are you Yally, pain must be bad to be on the heavy stuff. Yesterday was like that for me with both pd and hips kicking off hence the berry juice. Am going to Liverpool again end of next week and hope to bring back some relaxation in the form of medicinal wacco the bacco for the weekends when I find it hard to relax without work to take my mind off things. Is that what you mean when you say narcotics?
Stay well Yally you will make an honourable bear status yet.
Have just visited the oh so serious pd thread - seems that most of the posters there are women too. Men will talk for hours downthe pub and not a minute will be spent talking abouthow they really feel about things other thsn in a 'my hernia's bigger than your prolapse' type of thing. Plenty of barrack room lawyers though Erin.
Erin, what happens to your possessions when you declare bankrupcy in the states. Over here you can lose eeverything to the bailiffs whoconfiscate your possessions and sell them off to pay creditors? A frightening thought as you own another property.
too nosey now so will butt out.
Have a good Saturday people
Bear

yalinda
Veteran Member


Date Joined May 2006
Total Posts : 1179
   Posted 6/23/2007 5:28 AM (GMT -7)   
ok i am hung over?! but rather than hyjack erins legal post i will update my head and shoulder on my shoulder post :) hugs to u all <3 bear in training yally :)

hunnybunny
Regular Member


Date Joined Jun 2007
Total Posts : 21
   Posted 6/25/2007 6:43 PM (GMT -7)   
Hi Erin, Sorry it took so long for my response I have been out of town.  When you call they will be really nice and they will make an appointment with you to come in to their office.  It was the lawyer they gave me that was useless.  He needed to get all this info from my main doctors before the court dates.  And a few days before he would call me and say "Well, your dr's aren't cooperating .  They haven't sent the info.  I in turn would call the doctors.  The dr's would say B--S--- I gave that infor to that lawyer twice.  My lawyer would loose it.  So not wanting to show up to court without the info I would call the drs, get faxes, get copies of x-rays etc. and showed up to court with infor in hand.  I do regret that my lawyer was an idiot, but without binder and binder filing the court dates I would have never got a judge to hear the case.  Remeber I was turned down 3 times on my own.  When I did get my settlement their $14,000.  came right off the top: however like I said having the Medicare Ins. is priceless.  It is a pain and it is scary, but Would I do it again???? You bettca.....Hunnybunny :-)

Morticia32
Regular Member


Date Joined Feb 2006
Total Posts : 59
   Posted 7/13/2007 7:23 AM (GMT -7)   
Hiya Erin,
Im sorry to hear you are still having a rough go all around. Binder and Binder is a good firm, my husband used them for his social security pension process. You only need to pay them if you win the case. They were very professional. Keep your chin up, this crap gets all of us down. Personally its been very hard for me to accept that i need to be dependant on my husband. Let your fiance help you when you need it. Its a hard pill to swallow but there is nothing wrong with asking for help. Chin up sweety. "breath in the good stuff, blow out the bad stuff".
erin.K said...
so these disability firms like Binder & Binder are not a sham? they're legit?

Diagnosed: Hypothyroid 1990, Endometriosis 1997, Agrophobia 1998, Objective Tinnitus 2004,Rhematoid Arthritus Feb 2006.
Procedures Done: Gallbladder Removed 1994, 3 Endoscopes, 5 Laps for Endo, Hysterectomy 2003, Angiogram 2003.
Medications now: Synthroid, Lexapro, MTX, Lortab.


CaMama
Veteran Member


Date Joined Mar 2005
Total Posts : 1884
   Posted 7/15/2007 10:40 PM (GMT -7)   

Hi Erin - I feel terrible for not getting on this thread earlier to give you my support, though I bet you knew you had it via other emails and such! I think most everyone has said what we've talked about before and I am glad you are finally looking in to getting a laywer! You need one to get this over with once and for all! 

I know right now your pain is taking priority, but hopefully a good lawyer will be assigned to you and they will help you finally get on SDI and you can breathe a little easier.

****
 

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