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VELVETEENRBT's Photo VELVETEENRBT Posts: 177
7/28/10 5:22 P

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In just doing a google search for credit counseling services in California (not sure where you're located), this website has a pretty comprehensive list:
http://www.debtproblemsolutions.com/Cali
fornia-credit-counseling-services.html

This website gives a list of various California Assistance Programs:
http://www.needhelppayingbills.com/html/
california_assistance_programs.html

Wish I could help more, I'll say a prayer for you.

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SASSISPRING's Photo SASSISPRING Posts: 11,077
7/26/10 4:57 P

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Sounds like a rough go of it for you. Hopefully you'll have more answers after speaking with someone at the Social Security office.

Is there anyway that you can create work to supplement? Like I did housecleaning under the table while in college, then later when I was unemployed - as I graduated into the worst recession that Canada has ever experienced back in the 80s. Since I didn't have to pay taxes it was straight funds and helped out. I never made enough to qualify to pay taxes either, so it was cool doing it that way. I remember the struggles for employment. Back then you had to report weekly to "Manpower" with your little card that said if you attempted to find work - potential employers had to sign it even if there was no job, just to show that you did try. One time I was disqualified from unemployed insurance for 2 weeks because I went home and hayed. It provided money for food and rent, not enough for taxes and while there I went job hunting. (had the proof) I fought, finally "won" that it was only a 3 day disqualification. It was really crazy back then, forced to work jobs that you weren't really qualified for simply because you may have taken typing in school etc. Jobs that lasted only a couple days, nothing but temp if there was even that. There were signs all over that said "no work here, no resumes accepted." So yeah, I hear you on how tough it is when there simply no work out there. I ended up flying to the Arctic with no money in my pocket - just my suitcase and pillow - for a full-time job. It came out of the blue and I grabbed it - had applied a year prior and for some reason they kept my resume. So yeah don't give up, never know what can happen even when it seems so dark. Just keep ears open and keep banging on those doors, even when they are locked, just never know.

I hope things sort out for you soon and you get a break from all this. Or at the least some answers so you know what is and isn't going to work right now. Hope the meeting was productive at Social Security.



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VOGT_SNOWYOWL's Photo VOGT_SNOWYOWL Posts: 34
7/25/10 5:55 P

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I don't know who my worker is - and never had anyone contact me for it. I will go into the Social Security office tomorrow when they are open and asking them about it.

The reason I have a direct deposit that I can access is because it's at another bank with another checking account. I talked with a banker there and they said this won't do anything to my current account with them but that I won't be able to open another account there or anywhere else until the issue is resolved (and if I can't resolve it soon, then I won't be able to open another account for 5 years).
I do need to go to college, since I don't have a job and have never had a job and until I can get a job in the stupid town I'm in that has the worst unemployment rate in the California valley (maybe even in the whole state!) I really only have college to keep me going.
I'm already in a bad situation with the college I'm in since I am on probation for dropping out of classes because I couldn't afford to pay for the textbooks and was having too much stress. The financial aid helped a little, but now I can't get it because of my probation status and I have to work my way out of it. I currently only have 3 units that I can take right now - all the other classes have filled up except for stuff like agriculture and nursing (which I'm not majoring in either of those) and that wouldn't get me financial aid either.

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SASSISPRING's Photo SASSISPRING Posts: 11,077
7/19/10 11:14 P

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You mentioned that you are on SSI, have you talked with your worker? You should really talk with your worker, lay it all down and ask for assistance. It's not that your money will increase, its that there are programs out there (at least here in Canada) but you cannot access them unless you are referred by a worker. If you are in BC Canada - sorry I didn't check your profile before I wrote this - contact me and I'll send a link to PovNet. It is an advocacy program and they have lots of information on there on how to hook up with an advocate.

Is there a chance that you could do room and board in exchange for house sitting? Or in exchange for caring for someone in the home? I was offered room and board to care for 2 young adults with muscular dystrophy but sadly I had to turn it down. They moved out of their parents home and housing didn't have the room for a boarder. They couldn't afford to pay me enough to keep me working full-time and live in my own home. It was unfortunate as they were great sisters. It's not common-place but it is out there.

Unfortunately obtaining $750 to keep the account open doesn't sound like something you'll be able to do. I take that the amount is what is needed to pull it out of overdraft. It might be something that you will just have to say "it bites but I lost it."

The confusing part is that you said there is direct deposit going there but its a closed account. How is it that you haven't already re-routed the direct deposit? It shouldn't have been able to access the account if its closed. Or am I missing something?

I'd suggest going down and really talking with your banker. Find out what options you have if you agree to transfer the direct deposit to an account that will not have overdraft. Mention that you need to access that money and realize that you owe them money - that could be the stickler part. You owe them money and if its deposited there, they have the right to claim it.

2 days is awfully short though, that's another stickler part. Is there any way to reroute the direct deposit?

In terms of college I had to leave early because I couldn't afford to pay for a longer program and I did qualify for loans - at that time. It bites but sometimes one has to make a hard decision and as hard as it is to hear, you can return later. Or is your getting SSI wrapped up in an agreement to attend college? Because of the SSI there should be bursaries that you can access to help off-set the college funds. Have you spoken with the college counsellor or financial worker? If not, that would be another step to explore.

Bottom line though I'd get in and talk first to my worker asap and then to the bank. Lay it on the line and allow them to help you sort it all out.

Wish I had better answers, hope things work out. Keep us posted.



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VOGT_SNOWYOWL's Photo VOGT_SNOWYOWL Posts: 34
7/19/10 7:29 P

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Hello, everyone. I'm new and I am in a lot of trouble right now. I currently am in debt of probably about $5,000. I know there are people with more debt than that, but I don't have a job right now and am only receiving less than $850 each month from SSI. I also am going to college and can't receive financial aid at the moment due to mistakes I made. I need to find a new place to live ASAP that will have to cost more than what I'm currently paying because where I live right now I don't have to pay utilities or food (except my personal snacks and stuff). I have to move - there's no other option - my landlady and I are just not working out living together.

What my biggest problem is that I need to come up with about $750 within the next two days or my checking account will most likely be frozen (it's not based on my current checking account, it's a closed account that I had to have closed because I couldn't pay off the overdrawn balance and haven't been able to) and I won't have access to my check unless I can get the direct deposit canceled. I don't know what I'm going to do and I know I've screwed up everything, but I can't get loans and I need to find a way to pay the money now. I don't have ANYONE that I can ask for money and I was wondering if anyone knows of any programs that could help me.

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