How can I pay debt when on SSDI
Posted: Mon Feb 12, 2024 10:26 am
Hello,
I found you online- I honestly don't know where to turn for help with my dents, as my needs are not the usual.
I'm 60 and on disability, I get SSDI. I have an upcoming surgery and possibly one more - I am hoping they fix my body and health so I can go back to work.
In the meantime, my SSDI check is barely paying rent, I've been living off my credit cards for 7 years and they have finally maxed out. I have no lease and my building is for sale so at any moment I could be homeless. And lucky me, I make too much to go into low income housing.
I have been living on credit cards and was ok floating and paying the minimum payment-- until the interest rates went up to 29.99%. My minimum payments are now more than double.
I am now paying more out to every month to service debt than I get from SSDI. My checking account today is zero.
And I just used my last bit of credit to put gas in the car to go see my surgeon. This is so bad. I need my surgery.
I'm behind on the last copay which was 250 for an MRI... and I am drowning.
I owe 30k..and the anxiety is keeping me up at night. I haven't slept a full night in weeks.
How will I get my surgery ? What about rehab copays? I just can't do this alone.
And I have no one to help me. No one.
Ironically I know church people, who have money in the bank, but they do not help me with my credit card debts while I rely on SSDI. They just tell me they will "pray for me."
I know I can work again once I fix my neck (I'm in constant pain)... so I'm willing to pay it back.
Please can you help me find someone who will help me pay down even just a portion of this debt?
And no- this is not from shopping this debt is from living. I get those snide remarks.
I'm at the end of what I can handle. I can't even seek mental health help as I cannot afford the copay.
Thank you,
I found you online- I honestly don't know where to turn for help with my dents, as my needs are not the usual.
I'm 60 and on disability, I get SSDI. I have an upcoming surgery and possibly one more - I am hoping they fix my body and health so I can go back to work.
In the meantime, my SSDI check is barely paying rent, I've been living off my credit cards for 7 years and they have finally maxed out. I have no lease and my building is for sale so at any moment I could be homeless. And lucky me, I make too much to go into low income housing.
I have been living on credit cards and was ok floating and paying the minimum payment-- until the interest rates went up to 29.99%. My minimum payments are now more than double.
I am now paying more out to every month to service debt than I get from SSDI. My checking account today is zero.
And I just used my last bit of credit to put gas in the car to go see my surgeon. This is so bad. I need my surgery.
I'm behind on the last copay which was 250 for an MRI... and I am drowning.
I owe 30k..and the anxiety is keeping me up at night. I haven't slept a full night in weeks.
How will I get my surgery ? What about rehab copays? I just can't do this alone.
And I have no one to help me. No one.
Ironically I know church people, who have money in the bank, but they do not help me with my credit card debts while I rely on SSDI. They just tell me they will "pray for me."
I know I can work again once I fix my neck (I'm in constant pain)... so I'm willing to pay it back.
Please can you help me find someone who will help me pay down even just a portion of this debt?
And no- this is not from shopping this debt is from living. I get those snide remarks.
I'm at the end of what I can handle. I can't even seek mental health help as I cannot afford the copay.
Thank you,