No home for us.

damn, keep us informed

Sorry to hear about the setback, shewolf. I know how badly you want a home of your own. All I can say is, hang in there. The guy sounds like he is willing to keep trying. A lease purchase sounds promising -- maybe explore that angle. Keep at it, it may take a while, but there is a house for you. It WILL happen. It just might take longer than you can comfortably bear.

oh, mark is awesome.
he has done nothing but hunt for us.
Got us into free credit classes, taught us about diffrent programs out there...
I mean I cant sing his praises enough.

i just feel like I slammed into a brick wall at 70 miles an hour..

I can only speak to your disability application, as we went through that.

you probably know this already, but maybe it's good to hear again...

whatever you do, don't drop the ball with any deadlines you have for getting stuff in to them, or else you'll go back to square one, and will get no retro payments.

sorry if I haven't kept up with your other posts, so again, this might have been brought up already....

here's how the system works as far a getting disability...

You apply, wait forever, and then, get denied. They hope you will give up....you don't....you appeal and put the the application back into the system....then.....you will get denied a 2nd time.....they pretty much expect you to give up.....you don't.

After your 2nd denial, you call an attorneys office....you know the one that advertises here all the time? Last name Richardson.....go to him....

They take all the information and reapply for you and take over from there...again, you wait......they get a % of what your first lump sum will be, with a limit of something like $3,000. Money well spent, believe me. Finally, because the attorneys now in the works, and one hand washes the other, you'll get approved and receive a big lump sum payment and then start to get your regular monthly payments.

The downside....all this will take over a year, maybe a year and a half.

If you go to an attorney BEFORE being denied the 2nd time, you've blown your wad.....don't do it.

You read people really well......here's what happened when we went to the first appt at the disability place....(it was my husband applying)...the caseworker was pretty cool....she took all the info from us, and then started to explain the process.
Some caseworkers might have phrased it like this "if your case gets denied, you can reapply...."

The way SHE put it was...."WHEN your case gets denied (long meaningful look in the eye), MAKE SURE you reapply within...." then she said "THE SECOND TIME your case gets denied (long meaningful look in the eye) you can appeal the decision through an attorney.....

When we left there, and I was discussing with my husband, he TOTALLY hadn't picked up the way she said that....I totally believe it I hadn't been there, he would have given up after the first denial.


Funny, my husbands cardiologist, when my husb said he was applying for disability and needed documentation said...."Oh good, you'll pay $3,000 and get your disability in a year and a half"

So, it's just the way it is. It's all a big game. Patience pays off.

you used richardson?

>making notes<

a year and a half.

that slammed me into another wall.

ok. patience.
Ill give you 2 dollars for some right now..

we got a deal?

yeah sure...sorry to slam you into the wall...but at least you know the truth.

go ahead and call the state, but seriously, don't expect to get anywhere.

They will drag everything out until the last day they need to do something. you know how it is.

oh...have you been to their doctors yet? they'll want to look at you....

we provided all this medical info, blah, blah blah...but one of the people they wanted him to see was a psychologist, as because, seriously, when his physical condition was more acute, there was short term memory loss…..

Anyway, again they let me go with him…the psychologist is asking him all these questions about what he's doing all day, who's the president, etc.

Then, he asked him "what did you have for breakfast?" Now, K never eats breakfast before 2pm, so of course he said "nothing" That's when I looked over and said, "yes you did" and looked at the psychologist like "see what I have to live with? Can't even remember that he ate 2 hours ago…sheesh"

Psychologist: tap tap tap on laptop….tap tap tap.

When we got our copy of the report sent to the State….YESSSSS! He came across as a senile old fart….yay!

(BTW, when we were walking back to the car from the appt, K asks me "did I eat breakfast?")

It depends somewhat on the condition. I had a relatively painless experience when I went on SSI -- "you're deaf?" "Yep, see, here's the audiogram from my doc," "Oh, OK." (Simplifying, yes.)

Other conditions, you have to jump through a million hoops. Just gotta persevere.

When did you start the process of trying to get SSI/ SSDI (and which one?)?

both.

I have been diagnosed with major depression , and I have burcitus in my hips that limits my movement.

Depression is subjective, but I applied for it using that as a reason ANYWAY so that I could get it some how.
The burcitus is tricky.
If I get a scan when my leg literally wont move, then it is obvious.
If it is fine, then you cant tell by ct scan.
My joints swell after the smallest amount of activity that results in little to no movement in my right hip, less so in my left.

but....you're so depressed you can't get out of bed to pursue gainful employment....right?

There are days when just taking care of little bean is overwhelming, and you rely heavily on your MIL to help.

Sorry things are such crap, shewolf. No advice other than to say keep talking and maybe seek out a credit counselor (unless that's what Mark is) to give you some ideas on the best way to use the moneys you have to best accomplish the goal of qualifying for a house.

my depression is very bad. I have had many doctors work with me on it, and before, have been given some serious medication for it.
but most of the times, people are not accepting to 'depression' as a mental disorder. Many think it is something that just comes and goes and you often get told to 'buck up' and do something about it

Mark has been everything and all we could ever need.
He is just a realtor.
But he HAS and still is a credit counselor of sorts.
he gives us tools to use when working with creditors, free credit reports as we make our payments to them..

he has been wonderful . No doubt about it.

well,
i can cross off one of my daily goals.

I just settled an account for 42.80.
It WAS 297.

>sigh<
im supposed to feel better. But I dont
I am feeling like I dont want to call anyone else because I dont want to part with my money..

i feel like scrooge.

I think you really have the right idea, shewolf, just keep plugging and eventually you'll get there -- "eventually" sucks, but it's better than "never," right?

And I think you can have some impact on the outcome -- the harder you work to settle debts, for example, the sooner "eventually" comes.

Good luck!

Damn shewolf, sorry to hear that. I hope everything works out for you.

Good going, shewolf. That's money well spent -- it'll bring you closer to the house.

Aww, Shewolf, that sucks big. I'm so sorry.

damn girl, that's only 15% of what you owed!

that's terrific!

all these are little victories...Rome wasn't built in a day you know.
Each victory is marble in the jar...keep putting those beauties in the jar, and before you know it, it's filled up.

It pays to call a creditor in a bitchy irritated mood.

I was quite simple with him.

I have 40 bucks. I need to pay ( blah blah account )
Will you take that and close it?

No?

You dont want my money? Amazing.. I thought you lived off of commissions.. or am I forgetting something?

Come on. I have a 2 year old child at my feet who needs her diaper changed. If you wont take the offer I make, then I will call back later and talk to someone who will.. Thanks! Bye!

OH WAIT MISS!!! MISS!!!!! Dont hang up.


> AAAAAAAAHAHHAHAHHAHHAHA<