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Heart Attack Disabled Chris Seeks Grants For Debt Relief And Home Business

by Chris Hudak
(Parma Heights, Ohio, USA)

I'm a 58-year-old father of two young men living in Cleveland Ohio. Divorced for 15 years, I raised my two boys by myself. They are now on their own and I live alone with my dog. I have no other family.


Disability Issues

March 1, 2015 I was hospitalized with shortness of breath. Doctors told me I had suffered a massive heart attack, four days prior, a result of 95 per cent blockage in two arteries.

They put two stents in my heart and I'm now on strong medication. The heart attack caused a severe loss of hearing, physical strength and stamina.

Besides being unsteady and disoriented at times, I struggle through every day.

Financial Hardship

In August I was approved for Social Security Disability benefits. My claim is not retroactive so I lost all my life savings waiting.

I have lived as a newspaper carrier since my divorce and do not have any more finances.

My auto is a lease that will expire in April.

I've been through credit counseling and have determined my benefits are $180-$200 short of monthly expenses.

Income Efforts

For years I have researched online to supplement my income. Now I need something online to sustain my existence.

My doctor has told me not to work for physical and stamina reasons.

I was turned down for some Social Security benefits when I applied because I had money in the bank.

Not any more… I am broke but fortunate to have Medicaid to pay medical bills. I've searched through county and state programs but to no avail.

Specific Needs

I physically struggle every day in my healing process. The problems I have are financial.

I am looking for grants, programs and/or advice on work-at-home computer jobs to get me out of $20,000 in debt and financially afford some type of transportation in April when my lease expires.

If my debt remains as it is, then deficit from Disability benefits becomes my problem.

Business Idea

For years I have wanted to have my own tax business, then I wanted to get into cleaning. My strength and stamina are health issues, so now I am limited to working at home online.

My dream jobs are gone and I therefore seek advice and guidance on work-at-home computer jobs that I can do on my own schedule.

Comments for Heart Attack Disabled Chris Seeks Grants For Debt Relief And Home Business

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Feb 24, 2016
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Update
by: Chris

I wanted to give an update. Things are physically up and down. My doctor is leaving his practice in May so I get a new doctor - not happy.

The last visit in January was very strange and I was not given answers I was looking for about my heart. The next step is tests in July.

As I write, my life hangs in balance. My mortgage server is scheduled to call in 3 hours. I applied for a modification in November and have been on deferment payment since June. Now with no word on the modification, it doesn't sound good. They said 30-45 days on November 18, 2015. Now 31/2 months later, they told me yesterday If I don't pay the outstanding balance from deferment (about $5K) by March 1, 2016, they will serve me foreclosure papers on March 4.

The past due amount should go on back of loan with modification. so in a week i'm either homeless or financially broke with no future to rebound... what a great life...

Nov 23, 2015
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Awesome help from Paul
by: Don from Ability Mission

Hey Chris,

That post by Paul was incredibly helpful with its content and links to resources.

Question for Paul re medical expenses...

How is one's credit rating affected if the medical expenses were charged to a credit card?

Best,
Don Coggan

Nov 21, 2015
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More help
by: SheilaKay

Hi Chris,

I've read the advice from Paul and was wowed. He knows a lot about getting out of debt and how to handle those creditors and it even helped me a lot. It's so nice when people take the time and effort like that to help others.

That's it. I have to get back to work. I was knocked out by a flu bug (fever, sore throat) and slept all day until now (3:30pm) so now it's time to make up for the lost hours.

Take care, Chris. Hope to hear you are doing better.

Blessings!

SheilaKay








Nov 21, 2015
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Assistance with credit counseling companies
by: Paul

Hi Chris,

I see you’re in Cleveland. Me too, so we share in common having the worst team in the NFL going on decades! My son is 28 and has never seen a good pro football team.

I also have a disability, aside from being a Cleveland sports fan!

I’d be glad to assist you in credit counseling and handling calls from collection agencies. I worked in this industry my entire career, and one thing you should know right away: the laws today greatly favor the person owing the money as opposed to those collecting the money.

So don’t lose sight of that!

Here’s some advice I know will help:

Take Charge America (TCA) is the best credit counseling company there is. They come highly recommended and have been around for years. Note that they don't advertise, because the good ones don’t need to. Their reputation speaks for itself and it’s the companies that advertise for credit counseling/debt relief that are fraudulent ripoffs that charge a fortune. STAY AWAY FROM THEM! The more they advertise, the more you should stay far away from them.

How to reach TCA:
By phone at 800-823-7396
On the web at www.takechargeamerica.org.

If you are past-due on medical bills, understand that medical bills are not reported to any credit bureaus. In other words, they cannot adversely effect your credit score.

They can also be paid as little as you can afford -- even $5 dollars a month.

If you owe back taxes, the IRS is extremely helpful and empathetic. Don’t listen to those same companies I mentioned before, companies that will lie about the IRS, how the IRS will garnish you, etc. etc. That is all a bunch of garbage and untruths. I speak from personal experience that you will never speak with anyone with more empathy, understanding, and patience than you’ll get from the IRS. Yes I said it, because it’s true. As I already warned you, any debt relief company that advertises is a company that’s lying to you and will charge a fortune in fees. If you’re still not convinced, Google them or look them up on the Better Business Bureau.

If you are getting calls from third party collection agencies, let them know right away that you are well versed in the Fair Debt Collections Practices Act (FDCPA), which was formed by Congress to protect consumers -- especially disabled consumers -- from the ripoff artists I described above.

Once you inform them that you know about the FDCPA, you will then be treated courteously and professionally. Most collectors are just like you and me. They have bills to pay, they can understand one’s situation. But beware of "rogue" collectors from "rogue" collection agencies. If telling them that you know the FDCPA doesn't get rid of them, tell them you will contact Ohio’s Attorney General, Mike DeWine. And then by all means do so.

Add your cell phone and/or landline number to the National Do Not Call Registry (www.donotcall.gov). And while I’m on that subject, get rid of your landline unless you feel you must keep it. It’s expensive, and you probably have noticed recently that the vast majority of your incoming calls are from political candidates, unwanted/unknown callers, and, of course, debt relief ripoff artists.

Best of luck Chris and reach out to me if you ever need to at pben335@gmail.com.

Regards,

Paul

Nov 19, 2015
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Home Business
by: Don from Ability Mission

HI Chris,

There are many home business opportunities out there, but we've only been able to verify a handful of them. Here are two that we've checked out and that could work for you:

Disability Digest Referral Partner Program

DSD Drop Shipping Online Home Business

You know how to reach me by email. Contact me if you have any questions.

Best,
Don Coggan

Nov 19, 2015
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Following up
by: Don from Ability Mission

Hi Chris,

I'm so glad to see that you've written to your congressmen, senators, governor and even the president.

They are slow to respond and sometimes never do UNLESS they see something that is in their interest.

So as ironic as it may seem, to get a response from them, you need to show how you can help them, not how they can help you. Think of ways that they might benefit by helping the cause of the disabled. If you're up to it, you can call their offices and ask what it would take to get them involved in your case.

You also have to follow up diligently.

In your first follow up message, you would say something like, "This is a courtesy follow up to my message of October 27, 2015."

In your second follow up message, you would say something like, "This is a courtesy follow up to my messages of October 27, 2015 and November 19, 2015."

Once you get to the third message, they will usually respond out of guilt. But you don't want to get this far if the response is some political double-speak just to get rid of you.

So it goes back to the first point I made about finding a way that it is in their vital interest to help you.

I hope this helps!

Best,
Don Coggan

Nov 19, 2015
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Home business
by: Chris Hudak

I'm also looking for information on "starting an online business from home" but can never get through to get information. Please forward info on online businesses from home.

Thanks,
Chris

Nov 19, 2015
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Help and guidance
by: Chris Hudak

I've been following the Workbook. I've been approved for disability; however, benefits are $175-$190 short monthly.

I have shared my story with 2 congressmen, 2 senators,1 governor and the white house. It's been 3 weeks and no responses yet.

I spent 4 hours yesterday with a housing counselor for a mortgage modification (30 day wait). It's my last hope to bridge the financial gap.

I have talked with credit counselors. They've been short with me. This all leads to anxiety and confusion. None of this helps my healing process/blood pressure. Please advise on grants and programs for debt reduction etc.

Thanks,
Chris

Nov 18, 2015
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Greetings
by: Chris Hudak

Hi SheilaKay,

Thank you for your kind words. As an update... I'm still struggling physically and mentally. About ready to head downtown to work with a non-profit on modification for mortgage. I've been in touch with the Disability Digest and have the name of an advocate - call tomorrow - to work on finances. Other than that, I'm just amazed at the stories here. Then I realize how close I came to not being here anymore.

Keep praying,
Chris

Nov 06, 2015
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Resources
by: SheilaKay

Hello Chris,

So sorry you are going through all this. Don has published my story also (SheilaKay Paris). I've focused my energies into a website that helps the disabled find the right mode of transportation (which wheelchair) so that keeps me busy.

I hope you can get into Don's Workbook as that will give you what you need to help with finances. He also recommends checking out (also free to you) Disability Digest to get you more government benefits you may have been told you aren't eligible for. Believe me, they can get it for you. They are the pros in that department.

Keep us posted on how you are doing. Okay?

Take care.

Blessings!

SheilaKay

Oct 28, 2015
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Update
by: Chris Hudak

Thank you for publishing my story. Now it's time to use these resources and put my story to work.

Oct 26, 2015
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The Workbook is the next step...
by: Don from Ability Mission

Hi Chris,

That is quite the story. Now that it is published you can access the Workbook, which shows you how to use your story to get the help you need.

Best,
Don Coggan

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