Seeking debt consolidation
Posted: Wed Jan 19, 2011 2:33 pm
I had been homeless for approximately 2 years before receiving my SSD. I do have a roof over my head now, however just barely. I am grateful for this, and will let nothing get in the way of paying my rent. I do not want to be homeless again. However, trying to keep up with my doctor bills, utilities, and some food on the table, along with the payday loans I have acquired to keep afloat has caused me financial debts that are unbelieveable. I owe the IRS and the State of California back taxes. I also now have medical bills because of the specialists and surgerical procedures I have incurred, which I do not have a clear view of how I am going to pay all this off. I am charged by Medicare $110 per month, plus I have to pay a deductible of $155 before Medicare will pay their 80%. There are months that go by before I can afford to pay for my medication which I must take daily. I have three student loans, now four, that must be paid monthly. I guess I can consolidate these. There are things that I have decided to eliminate: cable TV, and Verizon phone service. I will keep the Internet however.
My question is: Is there any company or organization that will assist me in creating a budget or help me with consolidation of all my bad debts to keep me on time and disciplined? I need a roof over my head; I need gas, lights, and, especially, food to eat. I also need some extra income to supplement my SS. I do not need for the IRS or State or my student loan obligations to be deducted from my SSD. If this happens, I will probably be on the streets again. I really do not need this! I want desperately to pay all my debts. There are a lot more that I am not mentioning here. But, believe me my credit is horrible, and I want to get out of debt. But, I want one payment. Or some organization to take control of my income to make sure that these debts are paid, leaving me with enough to buy food and have a little spare change in my pocket for personal necessities.
Is there anyone out there that knows of such an organization that can help me? my email address is: iseegod2@yahoo.com. Thank you so much for your time.
My question is: Is there any company or organization that will assist me in creating a budget or help me with consolidation of all my bad debts to keep me on time and disciplined? I need a roof over my head; I need gas, lights, and, especially, food to eat. I also need some extra income to supplement my SS. I do not need for the IRS or State or my student loan obligations to be deducted from my SSD. If this happens, I will probably be on the streets again. I really do not need this! I want desperately to pay all my debts. There are a lot more that I am not mentioning here. But, believe me my credit is horrible, and I want to get out of debt. But, I want one payment. Or some organization to take control of my income to make sure that these debts are paid, leaving me with enough to buy food and have a little spare change in my pocket for personal necessities.
Is there anyone out there that knows of such an organization that can help me? my email address is: iseegod2@yahoo.com. Thank you so much for your time.