Hi eveyone! I have been silently sitting on the sidelines reading all of the great stuff i get in my inbox. My situation is a little different than everyone elses,(not the debt part, I have plenty of that!) My husband is sick and I have had to hire a nurse to take care of him during the day while i am at work. This has unfortunately made it impossible to pay ANY of the mounting credit card bills.
Each credit card was used while my husband was sick. We thought he was going to get better and we could pay them off. At one point he was well enough to work and he was taken advantage of by a construction company he went to work for and they owe him around $11000.00 (7500 in wages, 3500 was the amount they agreed to pay to us for damages). (During the last part of his employment he had a stroke and is now pretty much paralyzed on one side of his body and cannot work.) Because of them we had to move to a cheaper house , sell alot of stuff, and we have ridiculous late fees and overlimit fees on our credit cards that we cannot pay.
If they had paid my husband when they were supposed to I could have paid off all of the cards, which was our intention. Now I am in collections and have creditors calling me daily. what a mess. I hope to hear from the labor board soon as we have filed a claim against these jerk’s. So my question is this: how much luck have any of you had trying to negotiate with the credit card companies?
If you have had any luck at all negotiating, how did you do it? and my last question is: have any of you tried using a credit card counciling company?
My mother in law was in NH but moved to MA and put my step father on disability. Some states he can qualify for that and some of his care can be covered by medical assistance or some type of government program. By the end she was doing everything cause they wanted her to put him in a nursing home, he was severely ill. But they did cover his medical and other things that made her life easier.
Best of luck to you both. My husband had a stroke back in 2001 and I very much remember what it was like. We got medical care but there were overeffects later, both depression and some lose of movement.