THank you all for reading and responding. I could actually tell you more horror stories about what I have dealt with but this is new and fresh. The others were just as bad and causeed me so much stress I will never forget them. Anyway, Here we are starting a new week and my hope that anything will be resolved is pretty much non exsistent.
Honey; Thank you so much for the offer. I am ok right now as far as needing things. I actually can get by with very little since I have been practicing for so long! I sure don't live high on the hog as they say. I'm pretty well rehearsed in reduce reuse recycle LOL! I really do appreciate that you care enough to offer though. I can make a loaf of bread and some lunch meat last a very long time. I am more worried about the mnedical bills that are going to be arriving in my mailbox.
I have decided that after calling credit counseling and having them basically tell me "oh well", that all the money I paid them means nothing when I am trying so hard...I am going to let it drop. They can send it to collections. I need all the money I can get now and there is no way I will be paying them with the money from my job. the problem is that I have a defaulted student loan too and they would not accept the payment I could afford so they sent me to collections also.
I filled out the paper work for "reasonable and Affordable payment plan and sent all the documents in along with the chart that says I am eligible to pay 25.00 per month. They sent me a letter saying "sorry but you have to pay $100.00 per month. So I resdubmitted the paperwork and they sent another letter but this letter said that if I was on medicad or any kind of social services that i could qualify for this program....so I wrote back and sent the same paper work and a copy of my medicaid proof and a copy of THEIR chart and they still refused to accept my payment amount.
My credit has been ruined forever. I thought credit counseling was a positive step but I realized that they really aren't helping me much. They take my money and divide it up between my creditors but because I don't have enough money the bills are always considered late and a finance charge is tacked on. I am getting nowhere. I have looked into the laws and there are a few things I can do once they go to collections. Student loans have already decided that I am too poor to have my wages garnished but they will still take my taxes if I file. I just don't have the energy to care about this stuiff anymore. I always try and I always fail.
I have seriously been thinking for some time now that I need to leave my job. To explain the situation at work would be another forum but in short I work for a parks and rec dept and I am the naturalist. Anywhere you go the environment is the last thing to be considered. My boss expects me to do the work of 5 people and is not supportive of the programs that she developed...yeah go figure. It all comes down to money. Not to mention that I am in so much pain and my depression is so bad that I can barely function on any given day. I feel that having a job should make me feel like a more responsible member of society but ya know what? I get the feeling I am doing it all wrong. I don't think I will ever master the art of being a "real person". The fact that I am on disability seems to make me some kind of pariah.
I am still confused about how I could go over a yearly limit though. I kept track of all of my hours for so many years. I made sure I didn't go over. I just don't understand and it was never explained to me that I had to be careful of yearly amounts. I figured if I didn't go over in the months then I would be fine. Not so!
I have been working on a letter to send out but right now I feel defeated and have not added to it in a few days. I was going to send it to everyone I could think of that might be able to help me but I don't have the money for all that postage either.
I think its really wrong that the Govt doesn't want us to excell or become better people. With all the positive talk I heard today about how our country is going to pull itself up by its bootstraps etc....I guess we can only hope its true and that the Powers that be can fix these broken "systems". Oh well. I will keep you guys updated and thanks again.