Life ...

Joined
Dec 7, 2014
Messages
4
So, I am still fairly new here. I've been lurking for a couple of months and have already posted an intro and some of you probably know me from IRC but I am going to post again. I am a little nervous about posting but a couple members that know me and my situation feel like it may be good for me to vent and put my situation out there so, here goes...

I live in a trailer in Tennessee. I have a job but I had a bad month and at the same time that I had a bad month, my utility bill tripled, my health insurance tripled and I found out my landlord is actually a slum lord that is ripping me off. They served me with an eviction notice on January 28th for unpaid rent. I am behind in rent but not as much as they say but I can't prove it because they didn't give me receipts and I was an idiot and didn't insist on receipts when I paid the rent a couple of times. Now I have an eviction notice. They served me with it on January 28th, on March 2nd they can go to the general sessions court and file with the courthouse and then I will have a court date in about 2 weeks and then I'll have 10 days to vacate. If I let it go until I go to court, I will have to be out by the middle or even end of March but I can't afford to stay here, even without paying anymore rent and save up the money I need to move to a new place. I do not have a car and the county I live in does not have public transporation. The bus to Knoxville where my doctors are is very expensive and the cab to go to the grocery store is pricey, too. I talked to the Coalition for the Homeless in this county and they told me if I qualify, they will help me with first months' rent, security deposit and utility deposit but I'll have to stay in this county, which means no public transportation. They also said my rent can't be anymore than $405/mo and all the apartments with low rent have long waiting lists, as you can imagine. I called several places in Knoxville and they won't help me at all because I am not a resident of the county. I just got my new utility bill today and it is $421.43 for one month and I live in a singlewide trailer (small) and I live alone. My electric bill has more than tripled because there's no insulation and there are gaps in the doors and windows. I really do not know what I am going to do. I have pretty much resigned myself to being homeless within the next 30 days. Even if I do somehow manage to save up enough money to move (while paying the essentials here) and then am lucky enough to find a place that I can afford, I do not have any family or friends in the state and have no one to move me so I'm probably going to leave all my stuff behind. It's not like I have much. Probably two pick up truck loads but what I do have is mine and I am just sick about all of it. I really don't know what else to do. I have called churches and county organizations. I have tried talking to my landlord. I am working as much as possible to make as much as possible but while I'm here, I still have to pay utilities, buy groceries, pay my health insurance and pay for my internet and phone because I work from home. I live well within my means, just ..such as life, everything happened at once. Bills went up, income went down.

Anyway, I know this was long and I am not usually one to talk about my personal life but I am just ..at a loss. Am open to suggestions. I just don't want to end up homeless, out of a job and lose what little material possessions I do have.

Kris
 
Joined
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I think you are brave who share your story. *hugs*
 
Joined
Apr 7, 2012
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6,862
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I am really sorry to hear about that. :( It sounds like you're doing everything you can in this very unfortunate situation.

If you live in the U.S. I believe, (and someone may help me out on this,) you are only required to have health insurance for every month except for 3. If you breach not having health insurance for more than that time, you receive a one time tax penalty of $325, source. I don't know if you need the health insurance, but if you can survive without it during this very brief time, you could possibly help yourself out in the short run. If you do need the insurance, you may qualify for a discount on insurance by hundreds of dollars a month if you buy through your state's marketplace. I know someone who got their premiums from $500-something down to $134 per month, with medical, prescription, and dental all covered, and a $500 deductible. But perhaps cancelling your health insurance for a short time could help out.

The only other thing I can think of is if you paid your shark land lord via check, you would have a copy of the rent payments with your bank. If you paid cash then you are out of luck. :( Sorry if this is the case. You could also use a credit card or get a cash advance if it's just this month, but that's all I can really think of for information to help you out at this time. :( :hug

I agree you are very courageous for sharing. I wish I could help you out more. Do you have any family from which you can get any monetary help?
 
Joined
Dec 7, 2014
Messages
4
I absolutely need my health insurance, unfortunately. I have type 1 diabetes so not having insurance is not an option. My monthly medical expenses are more than I make in a month. I do not have any family that can help. But thanks! :)
 

Mychael Ritoryn

Aes Sedai
Joined
Dec 16, 2014
Messages
4,649
Location
Indiana
Hey worleygurl…

I'm really sorry to hear you're going through a really tough time… I just wanted to let you know you're in my thoughts and prayers.
 
Joined
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:hug Be well while you are here and IRL
 

Siera al'Cere

Graphic Goddess
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:hug I have no advice as I don't love in the States myself but I am here if you want to talk :hug
 

Lithiel Morn

Aes Sedai
Mistress of Novices and Recruits
Tower Gatekeeper
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I am not sure how things work over there, but... If not family, then perhaps some friends who might be sympathetic to your situation? I am sorry you are going through something like that. Stay strong and do your best to climb out of all of that. :hug
 
Joined
Aug 17, 2014
Messages
115
Location
Janesville, WI, USA
I wish I could help, I really do. I got criticized for helping neighbors in the past after I got my disability settlement. I've been mocked so much that I don't even offer, anymore. Now, though, I am myself, looking to move without the resources I need. Have you tried any of the churches or catholic charities? I wish I could help, and wish you luck.
 
Joined
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355
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I don't have any advice for you unfortunately, just wanted to come in and wish you the best regardless. :hug I hope you find a solution to your troubles.
 

Kveldolf Tikvah

Recruit
Joined
Dec 8, 2014
Messages
669
Age
38
Sorry to hear about what is going on right now. My suggestion to you is if you find a local soup kitchen there should also be some information on temporary housing. There are lots of organizations that are willing to lend a hand but maybe if you found one in person it would help out. My prayers are with you and hope all goes well.
 
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