I'm disabled but able to work, unemployed, and it looks like I will run out of money and have to give up my rental home, possessions and the hope of paying off my credit card before I can land a job.
YANML nor accountant. Please tell me how to handle the legal/financial logistics of navigating this.
I know this AskMe may be diffcult for you to read. Your sympathy and well wishes are assumed and appreciated and do not need to be expressed here. I assure you I'm a fighter with a positive attitude. I'm here asking only for concrete what-to. how-to and what-to-expect information.
About me: I am in California, not married, over 55 (hello Medi-Cal), no family nearby, disabled very mobility impaired, currently recovering from complications in a skilled nursing facility. I have held down a job while disabled and have worked remotely from a nursing facility while recovering before. I'm nearly ready to leave the facility, this time for good.
When I was laid off a year ago, I was confident I had updated my skillset sufficiently to be able to get another job. To my surprise, my 'new' skills are also quickly becoming obsolete and my job search has been a nightmare. I've been working hard doing online training to update, deepen and acquire skills. Each time I add a skill, I update my resume, get leads, fail to make it past a phone screen, find out I need yet another skill or even more depth in an existing skill, and the cycle continues. I kept going, always thinking the next cycle would be the one where I'd finally succeed. Well, I'm finally running out of time.
Since I'm a desk-bound IT worker and my disability does not much prevent me from doing my job, my road to getting disability benefits is going to be long, full of appeals, and the check wouldn't really prevent the inevitable loss of home and possessions. I'm in a high cost of living area where most of my prospective employers have offices. Relocating is not possible near-term.
I am a renter. I have $xxxx credit card debt. I own a late model crossover (parked for quite a while and declared non-op) and some appliances. I have no money or physical ability to store, sell, donate or trash any of my personal belongings beyond keeping a footlocker's worth. My last local close friend who could help left the area a year ago for family reasons. Getting into section 8 housing won't have any effect on this issue. I've been away from my home long enough that I doubt I could make a case for staying and waitng to be evicted. Besides, my landlord's been good to me in the past.
Once I give 30 days notice, I doubt I will be allowed to retract it even if I get a job during that time.
The facility won't discharge me if I lose my rental home, so at least I won't end up on the street. I'm currently on the county Medi-cal program.
So I'm in for an unavoidable crash. Let's assume that disability income will not arrive in time or be adequate. Let's also put aside the issue of my job search, which will continue regardless until my prepaid phone expires. So let's not dwell on these issues.
Please help me assemble a 45-day (as in from 15 days before 1st of month, thru bank bal = $0 at day 45/end of month) timeline and checklist to do the necessary tasks in an orderly manner, and help me understand and prepare for whatever actions my landlord, credit union(card), other non-creditor financial institutions (backup checking and drained savings) will take against me. In particular, who can I sign over my possessions to, do I need to file for bankruptcy and how would I pay for it, and how would I get to the lawyer or courthouse without money for public paratransit. If you were me or if you've been in this situation, how would you manage this?
I'm still holding out for a miracle - a job offer before the point of no return.
Edit: The nursing facility's social workers are nice but not much help. |
Video
Web
Image
Music
BlogU
