And I'm there too, scary stuff. Albuquerque has a senior affairs system but I found it nonsensical. It is, or was, but I need to go back and fight my way through. My bad for putting it off.
Money has never been in my top interests, but I was surviving in my way until I got whammed by breast cancer surgeries and multiple exciting eye surgeries (6), that all being before I had medicare much less medicaid. I think of myself as insurance poor, as just the regular payments kept climbing up, and then, and then, what that insurance didn't pay was killing me on top of it. That was now a bunch of years ago, early 2000's.
Moved to different state.
I can't pay my property tax. Among other things, I didn't know it kept rising in New Mexico (it didn't when I lived in California, unless you bought a new place. I struggled a lot. I finally called a cousin, the one that likes me (the other one didn't like her sister either). Not an easy thing to do...
She and her husband have picked it up for a couple or three years now. When I asked, I thought of it as one time, but of course I didn't become rich in the meantime. My cousins (I call him cousin too), are similar in age to me. The good news is that they have money.. but they or their children don't owe any of that to me.
Meantime I scramble for house insurance payments, yada yada, but make it.
I love these cousins and don't like that I dragged money into our seventy years plus cousin friendship.
That's enough typing for now.
I probably needed some good advice, but I've been to attorneys before and struck coal. I'm not against them in general, didn't have the moolah.