Tag Archives: bankruptcy

Fall potentially dangerous


I fell this morning. I caught myself on my bed wrenching my back, but at least I hit the bed and not the other furniture or the floor itself. My balance is definitely an issue.

We just had a pretty heavy snowstorm. My dad and son dug us out.

My bankruptcy court date is April 16th in a town I detest, Camden NJ. Not a good town to be in. All of this for about 5 minutes before the judge most likely. I know it isn’t long. Hopefully no one wants to sue me and make me hire my attorney at attorney fees. It didn’t happen last time and hopefully won’t happen this time. You can file, but that doesn’t mean the creditor has to accept it. It really isn’t worth their time because they usually don’t win. I have nothing to pay them with, but it will cause me trouble and that just might be worth their time (to see me suffer some more). I didn’t do this on purpose. I am not having fun and it is expensive to pay a lawyer to file. What I saved from not paying the credit cards the last 3 months goes to the lawyer and to the Public Housing to get somewhere to live.

I wish I had an idea when the funding will come through for more housing. I guess I didn’t make the first cut. She told me I could do some light packing and this gives me time to get rid of stuff here rather than hauling it over there and have to get rid of it there.

Tessa – advocate for mental health and invisible illnesses, also devout Christian

Author – http://www.finallyawriter.wordpress.com (this blog contains my old work), new work is on this blog http://www.tessacandoit.com

 

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Still no apartment, epidural and bankruptcy


From a supposed move in time of March 1, no communication at all. Very frustrating. I know it doesn’t matter to them and we are just needy nobodies to them. Do they think I would put myself in this position if I didn’t have to. Very humiliating the treatment can be. I am afraid when they finally call to view the apartments I will be otherwise engaged in something I can’t change.

Still waiting for my court date for the bankruptcy. I did get the court number for my case, but still no date set.

I just had my 3rd lumbar epidural. I actually feel less pain this time. Maybe it will work this time and we can start on the neck. This time I did it with iv sedation and not a local. I never felt or knew it happened until they were waking me up. Costs more, but the way to go.

The office changed their name to Corda Pain Institute. Sounds more professional, but they are completely out of control and over booking and can’t handle parking, seating and the wait times are ridiculous as they also brought more doctors on. Every time I go which is usually 2-3 weeks apart, they have changed their procedures. And the left hand doesn’t know what the right hand is doing. They are driving me crazy.

SoI have started packing and donating to the thrift shop as well as trashing a lot. Most of it needed doing anyhow. Less to take with me. Took a car load to thrift store today. And both my dad and son are getting rid of things they don’t want either. Had trouble getting rid of things so far, but really they have no value to me or they wouldn’t have sat in boxes for over 14 years, some long.

So tired of going nowhere.

Tessa – advocate for mental health and invisible illnesses, also devout Christian

Author – http://www.finallyawriter.wordpress.com (this blog contains my old work), new work is on this blog http://www.tessacandoit.com

 

Bankruptcy is not easy or cheap


Eventually this should pay off, but right now it is downright difficult. Everytime I turn around there is another fee, some of which might be waived. Then they want more paperwork. The letter claims we discussed it, but I don’t remember it. I don’t know if it is my anxiety stopping me from remembering or the lawyer doing his standing thing without really having said it, but just thought he did, plus I have been through this before back in 2004.

Confused? Join the club.

In order to pay these additional fees I have to cancel all my dr appointments for the next couple of months. And that is just the the normal fees. If one or more of the creditors want to sue me, I would have to retain him at his hourly rate to have him defend me. That is not cheap. He charges $350 for each billable hour.

Of course I am anxious and can’t get his assistant on the phone. I am surprised I slept at all last night.

Tessa – advocate for mental health and invisible illnesses, also devout Christian

Author – http://www.finallyawriter.wordpress.com (this blog contains my old work), new work is on this blog http://www.tessacandoit.com

Financial Woes


People have heard me mention my finances. As time goes on the situation gets worse. I get a small check from the government (SSDI) and have more bills than income. I have been using my credit cards almost to the max now.

I called my bankruptcy lawyer this morning and I will start the process. I also have to make a very tight budget. Times will be tough. Food will be the hardest since with the Diabetes I can’t just eat junk because it is cheap.

I knew this was coming just kept hoping for a miracle.

Tessa