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Money Matters
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Old 10-01-2013, 11:50 PM   #1
Ethaniscool
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would It be justified for me to get government assistance?

So I shall give a bit of background.

I have been in the workforce since I was 16 years old.
Started working in a restaurant as a dishwasher tues-sat nights. Obviously I was freshman in high-school so I had school and work(Most people do this). I had to ride my BMX bike 14 miles round trip to get to work because I had no car and NEVER asked for rides from people because I felt It was MY job and business to get to work and no one else's. Saved every last cent until I saved enough to buy my first car a Miata.

Then I found a Job that offered more at a golf course. I was a cart attendant. Always early to work, NEVER late. I worked that for about 2 years then I landed a server job. I worked both. Between the two I worked 12 hour days during the summer and weekends. I did that well out of high school.

I saved around 30K because I wanted to open a business which I did (It did close in the first year I view it as a learning experience) and buy a house and a E46 which I did.

My family fell on hard times during the recession, with both parents lossing their jobs and rather then let them use government programs for assistance, and loss our home. I let them use my savings. Family always comes first.


Later I was in a unfortunate accident that a broke my leg with a compound fracture. At the time since my stepfather was laid off I didn't have insurance.
I was hit with 56K in medical bills. So I used the rest of my savings to keep the bill collectors at bay. Well that ran out. After a year of being in bed and finally landing a job I started paying well over 900$ a month in medical bills. In less than a year and a half I have paid 36K off.

I ended up needing to move out of my parents house so i've been out on my own. Currently I have bill collectors calling all to often, my great credit is destroyed. I have a job but it simply doesn't make ends meet with the medical bills (Making minimum payments) Rent and all other expenses. And working 40+ hours a week.

I dont go out, I dont drink, I dont do drugs. I dont waist any money.
I keep track of every last cent I have. Im not exaggerating lol.
I havent bought anything for my car aside from maintenance since Idk how long.
My GF lives a hour away and I simple dont have the money to see her alot.
I have one pare of jean because I cant afford another. (Yes Ive gone to thrift stores they dont have my size...seriously shits all XL)
I work 6 days a week and I still cant make ends meet.
Hell I pay my neighbor 5$ a month so I can have internet (Cool guy BTW)

Last 3 months I have overdrawn every one. Every day I am off Im out looking for a better job, or filling out applications online with nothing coming to fruition.

If I got a food stamp card for 100$ for food. Would that be justified?
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Old 10-02-2013, 01:18 AM   #2
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Yes.

But it's not up to us here at the BMW club! It's up to some federal clerk somewhere who submits your application into a computer, and they're all off today.
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Old 10-02-2013, 01:34 AM   #3
Ethaniscool
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Oh I know that lol.
Im just saying, would people think that Im sucking the system or "I'm the problem with america because Im not working hard enough"
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Old 10-02-2013, 01:59 AM   #4
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would It be justified for me to get government assistance?

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Oh I know that lol.
Im just saying, would people think that Im sucking the system or "I'm the problem with america because Im not working hard enough"
Someone will always think that about you.


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Old 10-02-2013, 02:04 AM   #5
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you paid into it so you might as well get some of it back considering you're not a free rider. I think most people in this forum have beef with those who depend on it indefinitely.

might i suggest moving back home with parents if viable as well. there's nothing wrong with that considering how you helped them when they fell on hard times.
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Old 10-02-2013, 02:05 AM   #6
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would It be justified for me to get government assistance?

Do you have any further education? Is there a reason that you do not go to school to learn a trade? Does your bone fracture still affect you?
If all is true, I think you are as eligible as anyone. And as a tax payer, if my money is going into food stamps, I'd prefer it go to someone like you rather than a low life drug addict.
Good luck with whatever you choose
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Old 10-02-2013, 02:56 AM   #7
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I do not have further education, and I didn't go to college because the time I was supposed to go is when my parents fell on hard times so I just stayed working. And yes my leg is a huge pain as Im on it for at least 9 hours a day. NO shoe I have found has made it comfortable.

The whole reason im really asking is because I feel like If i do go through and get it. I feel like Ill feel like a failure honestly. I understand we all have hard times but I dont want to "take the easy way out"

And of course I would not want to stay on the program any longer than I need to.
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Old 10-02-2013, 02:59 AM   #8
Ethaniscool
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you paid into it so you might as well get some of it back considering you're not a free rider. I think most people in this forum have beef with those who depend on it indefinitely.

might i suggest moving back home with parents if viable as well. there's nothing wrong with that considering how you helped them when they fell on hard times.
They are currently looking for a New house as they were forced to sell our old one. Bills just got to much. So that wont be a option for another 2-3 months or how ever long it takes them to fin something. But even then I can't leave my roommate/Bestfriend with our apartment or break the lease.
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Old 10-02-2013, 10:50 PM   #9
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Re: would It be justified for me to get government assistance?

If you truly are unable to make ends meet then you can work with your medical bill collectors to settle for less. You will have to provide documentation so have your stuff together.
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Old 10-02-2013, 11:29 PM   #10
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If you truly are unable to make ends meet then you can work with your medical bill collectors to settle for less. You will have to provide documentation so have your stuff together.
Everytime I do this they try and make me pay half upfront but I dont have 9k just sitting around.
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Old 10-02-2013, 11:42 PM   #11
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would It be justified for me to get government assistance?

If you lived near me I could have you do some side jobs with me... But your too far away....


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Old 10-02-2013, 11:55 PM   #12
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Everytime I do this they try and make me pay half upfront but I dont have 9k just sitting around.
File for bankrupcy (Chapter 11?).
They can't touch you after that.
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Old 11-06-2013, 10:05 PM   #13
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Do not tell him to just "file for bankrupcy"...
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Old 11-23-2013, 09:54 PM   #14
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Everytime I do this they try and make me pay half upfront but I dont have 9k just sitting around.
They often will take 25-30 cents on the dollar. Just make sure you get your deal in writing and it says your payment counts as payment in full. If they don't want to settle tell them 'Fine, I will use what money I have to settle another debt instead'.

If you make a deal, save a copy of the agreement and a copy the check forever.

Last edited by Cazz; 11-23-2013 at 09:54 PM.
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