If this is too off-topic I will delete, I just thought perhaps others may have dealt with this.
With the seemingly endless wait for LTD and CPP disability claims, appeals, etc, having zero income makes the ability to pay bills pretty impossible. Savings lasted 3 months, EI sickness helped for 13 weeks, cashing out the only small investments I had helped a bit. But it gets overwhelming quickly. Selling small items on eBay only does so much.
I have a credit card (maxed), phone bill, and personal loan. The credit card company and phone company have been no less than fantastic to deal with. However the bank through which I have my loan, which are the biggest payments, is playing hardball. I have been told that if I miss a regular payment, they will call in the loan. This makes no sense to me, as if I am unable to make a minimum payment, how exactly would I be able to make the entire loan payment??? I don’t own a house or assets aside from my vehicle, which is 10 years old and wouldn’t profit them any if they were to take that, after the costs associated with seizing and selling it. Plus it is my only mode of transportation as I do not live where there is bus service.
This causes me almost as much stress as my disability, and the frustrating thing is that I know I will have money coming in eventually (there is a back pay that I am owed from work, currently stuck in the Phoenix fiasco), but it’s the ‘when’ that I can’t guarantee or predict.
How do people manage with no resources???