Have 6yr old son with cp in bodycast.  I am unable to work and need assistance with the morgage payment?
115813
Call or write to your lender as soon as possible. Clearly explain the situation and be prepared to provide him or her with financial information. \n\nFor FHA Loans: Contact a HUD-approved housing counseling agency (1-800-569-4287 or TDD: 1-800-877-8339).  \n\nIf you are having difficulty with an uncooperative lender, call the FHA Loss Mitigation Center at 1-888-297-8685 for additional help.\n\nFor conventional loans:  Talk to your lender about specific loss mitigation options. Work directly with him or her to request a "workout packet." It may be that your loan was purchased by a secondary lender such as Freddie Mac or Fannie Mae.  Fannie & Freddie require that mortgage servicers to explore workout options with you.  \n\nIt's important to remember a few helpful hints: \n\nExplore every reasonable alternative to avoid losing your home, but beware of scams. For example, watch out for: \n\nEquity skimming: a buyer offers to repay the mortgage or sell the property if you sign over the deed and move out.\n\nPhony counseling agencies: offer counseling for a fee when it is often given at no charge. \n\nDon't sign anything you don't understand.\n\nBest wishes to you and your son.
981266
The Inland Revenue did this to me too when i reapplied for my tax credits in April of this year. They said i had earned £2,500 more than i had declared, and through this i owed them the money and they have stopped my credits until April of next year. I too am a single parent, they tell us to go back to work and we will benefit but we dont at all. What we earn we end up paying back out. I used to get help with my rent when i first went back to work too,  now that has stopped and im to pay out the full amount of rent which is £98.00pwk. Personally i would be better off on the social, although i dont want to be part of the people that take money off the state to live on and receive handouts. I  wanted to do right by my family and earn my way through life. Good luck hun hope all goes well for you but its a crap system dont you think. xx
725813
First, call the Social Security/Disability office and get the paperwork he would need to fill out, to see if he'd qualify. I wouldn't look up loans until you do that, because he can't pay a loan back if he can't work, and his credit could be ruined. Sounds like he's already got enough strikes against him...no sense in making a new one, you know?\n\nIt will depend on several things...his heart condition and the extent of it, and they may even try to find work for him that he could do with his condition if he's able. They may even offer him training courses in something new.
177354
Sorry that you are having a hard time. Basically tell em to take a long walk off a short pier. \n I also get funny looks because I receive Medicaid and you know why I get it? Because I am disabled and spent all my life not working but raising a family, so I did not have enough work hours to qualify for NORMAL disability. \n I am glad that you are trying to do so much to better your life and those of your children. Just forget them. Or even better ask if they will take care of your childrens health expenses? Take care and good luck
844993
The only thing I can suggest is to get some advice from a lawyer or from your town/county/state legal assistance office.\nYou must have a pretty awesome mortgage company though, if they'd even care; mine didn't, even though I was laid up with a broken leg and couldn't work, and all I asked them for is to wait a few days until I got some insurance money.
402152
I had a wonderful experience with ECI in Missouri. They had a wonderful program in the town where we lived. This was also several years ago. Funding changes all things unfortunately. It really depends on where you live and the people providing the services. You must be self informed and demanding if necessary now days. Also I recommend that you join local  programs or boards with any relation to the disability of your child. I wish you well. Good luck! Ask, Ask, Ask, Search, Search, Search. I hope your needs are met.
909030
Assistants are usually people whom you have to pay; I think you meant assistance...\n\nchild support?   some states may have programs for this, try calling your local job and family services and asking. \n\nbest wishes,\ncryllie
554006
Emily, I have just been there. Get state aid, that's what will keep your little raft a floatin'. Use your yellow pages to first get medicaid, if you are unsure how to apply for medicaid, go to your nearest hospital and ask for a patient financial representative. Tell them that you need their help, so in case, medically speaking, you will be prepared. Once you  have applied for medicaid, you should be asking your caseworker (call all your medicaid numbers, I mean it's not like you have a schedule, find out who your case worker is, don't EVER be rude, this only gets you to the bottom of her papers) Also, go to church...ask them where you can find food pantries. You may have to make some tough decisions regarding things of value that can be sold. This is a good time to use gold necklaces for cash, because baby can't digest them, and NOTHING should be more sentimental than your babies eating. Also call ALL your creditors, tell them what the deal is. They maybe able to put a low-interest pay off status until he gets a job again. Don't give up, I know it's hard....I KNOW!
525151
Therepy do work pretty good if u can afford them. Ask ur doctor a written statement about u going back to work. If he says no u cant work get a statement\nthat way u can use it for ur disablity and u may want to get a lawyer on that too.
543758
check with your bank. they can assist you.\n\ngood luck.
442833
From the information you've given, I strongly recommend documenting everything that happens or is discussed between you and your employer.  It sounds as if this person is in financial trouble and you may have a problem with getting the money you're owed.  \nIf your employer is 4 weeks behind the normal, scheduled pay dates you should first attempt to solve the problem by telling the employer you need your money immediately. I also recommend looking for an alternate method of providing income for your family.  \nIf the employer will not terminate employment, and you have not signed a casual labor contract, you need to speak with a labor relations officer.  This can be done at your local employment insurance office.  It sounds as if you work for a small organization and unfortunately your employer is not interested in taking care of his employees.  \n\nGood luck and remember to follow the proper channels so that you have moral superiority and the law on your side.
409387
I would strongly suggest going back to your local office and asking to speak to a person specializing in the workers comp offset - do not try this by telephone as you will not get a good answer.  Your teachers pay is basically a public payment as you are paid by the taxpayers - I don't know if your state treats it any differently than other states.  check with your pension people.
257142
What state do you live in?  Depending on its laws, you can do a whole lot ... including freezing his driver's license, hunting license, any business licenses, etc.  Call your state senator or representative ... make a lot of noise!!!  You are the one that's owed money, and you shouldn't have to pay big bucks to get your money (lawyers). There are plenty of free services out there. Also, if you're on disability, the government should be going after him anyway. If you get any other services like food stamps, or medicaid for your child, those organizations should be going after him too. If you're not on any of these programs, try applying for them. They'll ask you about the absent parent, and then take it from there. \n\nBut like I said, Make LOTS OF NOISE !!  Call his employer, his momma, his priest, the local newspaper. Act like a crazy person if you have to. Your child's welfare is worth it!!!
733735
your family is SO right! you are SO cruel! your son has a clubbed foot, and you're still thinking of saving money and making such a little boy work?? are you his step parent or something? I'm so glad I don't have such a parent, if I did, I'd rather be an orphan...\nand the legal working age is 16.
38070
That is a good letter but I would also speak with the bank. They might waive the fees if you sound sad enough. Speak with your payroll department at your job in person as well.
1021721
Forget the CSA; they are just overpaid clerks and are all useless.  This man doesnt want anything to do with his kids, or he would raise hell to get to see them.  Forget him and move on- the CSA can make him pay you, but they will knock it off any benefit you get . They cut my benefit by £50 a week when I had three kids under six- when I asked them why, they said my ex had told them he was paying me £50 every week, when he never ever paid me a penny.  I sold furniture, washing machine, even my bed, to put food on the table, and it was 18 months before they believed me.  The CSA in any case cannot intercede to get him to see his kids- have you tried Social Services- they may spout a load of mumbo-jumbo at you, but they are slightly more human than CSA. Very good luck
707645
Becky24c you may be wrong on the mobility advice because they are making it fairly redundant except for people who have amputation of one or both legs. \nC. L.granny if you are English then you are intitled to carers allowance for looking after a child (or an adult) my grandson Dylan is autistic and is not commutative he is 4yrs my daughter gets living disability for him and this is a big AND family funding have helped her out no end they are fantastic they paid for a new fridge freezer to cut back on Natalie's shopping times Dylan has to have a special diet they bought a new washing machine because the other one was literally worn out from over use he is in nappies etc she asked for a family holiday they awarded her £800 towards one of her choice (or wise where would she get any resite from? he is a very big hand full) they have not means tested her in other words her husbands wages have not been taken into consideration (thank goodness because they are on the lower end of the income bracket) and next year she is having a new bed for him if the other is pee; d all over and new toys like a bouncing castle and trampoline (his energy is endless)\n\nall of the above is amazing fantastic help i know both you and i would love to have everything "Rosie in the garden" but its not so I'm sure like me you knuckle down get on with it mine is adorable and delicious i really could eat him i have him once in a blue moon but by God do i know about it Natalie is very protective of him he goes to ANYONE i am making autism sound like a nightmare but im sure parents or sibling have a very very differant tale to tell thank goodness we are all so very different