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Financial Abuse - Roommate Extortion - Dropping Out Last Semester

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First time posting, but really need advice.

First, I've never been able to officially obtain a diagnosis largely because I through periods where I am functioning with very little symptoms and don't want to waste the money on medical treatment. When I have been hospitalized for traumatic stress episodes, I was also a "substance abuser" at the time and most of the issues were blamed on drugs. I have a really high IQ (sorry to sound boastful - I'm one of those sponge-mind freaks), so it's difficult for me to get most people to believe me about when symptoms get bad. My ability to understand the illness and my problems in the abstract and be able to articulate them well leads to people thinking that I'm just being dramatic. I usually cease treatment around those times and seek it out again when the next crisis hits.

Background info: I was attempted murdered at 18 by a friend (long story) and had my hand cut in half with a switchblade; the perpetrator suffered no consequences because he told police that I had attempted suicide while I was incapacitated waiting for surgery. He was able to get away from this because my religious parents sent me to teenager rehab for drug use (largely marijuana) where I was abused (given behavioral isolation because I was "faking" seizures that were induced by antipsychotics prescribed by their greedy quack). I was bullied a lot as a kid because I was highly intelligent, but also got away with very disruptive and sometimes criminal behavior because I was one of the best "academic" students in the metro area. I was kicked out of high school for not showing up due to my traumatic hospital stay. My parents may or may not be personality disordered (I really don't want to think about it now because they understand that my current situation is so desperate that I have to take their help), and I grew up in a very chaotic household.

I was able to go to college for biochemistry and had a 3.96 until this past semester; however, it has been hell with many withdrawals and mental breakdowns. Sometimes I may be able to give a lecture for a freshman class, other times I can barely get out of bed to go to campus. I took a year and a half off half way through to move to a new state, and eventually re-enrolled at a new school. With about 12 credit hours to go, I became very disillusioned with my major which coincided with the time when I first began to get offers for money to produce artwork (I've been drawing since I was 3). I haven't been able to take any of this work because of what has happened over the past year.

I decided to go back for my last semester just to finish. I have ruined my life in doing so and doubled my student loan debt and put myself in a position where I cannot pay off credit cards used to pay tuition for previous semesters (my parents made too much and wouldn't help me - my dad got fired from that job a year later...). I had my symptoms largely under control save for one or two breakdowns during "down" periods (christmas break, spring break, etc.).

About a year ago, a mutual acquaintance of mine through my old roommate that lived in the state where I grew up contacting me saying that he wanted to get his life together and start fresh in a new area (he is in the South and I am in Colorado). I figured that it would be a good way to save money on rent with someone that wasn't a total stranger. He stated that he had no credit problems and was willing to stop partying all the time. We then signed a lease while were both out of town. (I had to have my dad sign who has emotional outbursts, so I took a leap of faith on a lease before he pulled the idea entirely and I ended up on the streets). The apartment that we rented was uninhabitable - extremely so. I didn't spend one night in it and still had to get an inhaler. I slept in the alley way. While I fought the leasing company tooth and nail (I was able to get the lease voided by recording them on a phone call admitting to breaking the law and have the health department come 3 times but we both still lost $2000), he vacationed with his mom and got to check out parts of the state that I haven't seen after having been here for 3 years. I tried to not let this bother me. We then signed a new lease for an apartment that I found while he vacationed. He told me that he failed the credit check because he wasn't currently employed (jobs are plentiful here, so I wasn't concerned), but later told me that he had a $6000 debt in default after my father and I signed the lease. He was broke, so I forked up the money for the security deposit.

I was already beginning to feel taken advantage of but chopped it up to just another roommate, and figured that as long as he paid the bills, I would ignore it. He then got a job working from home (they have an office here in town, but he's too lazy to leave the house) and began using our living room as a home office (a violation of the lease). I said that this was fine temporarily (wary of his reaction). This severely restricted by use of the apartment and was beyond stressful because his schedule was variable. I called a roommate meeting a month later about the office situation, his need to pay the deposit to me, and his lack of cleaning the apartment. He agreed but only after bringing up how my TBI/PTSD symptoms make living with me difficult (at this time I was high functioning - he would make statements like "you're always grumpy" or "you don't have any friends"). A month later, we had a verbal disagreement because I knew he was using his money on concerts and drugs while I acrued interest on credit cards. He said his parents would pay the amount in full by the end of the month. The next week I confronted him about the office situation and we had a verbal argument. I recorded the conversation. A week later he said that his work-benefit attorney would be sending me a letter that he would be moving in 60 days and 7 months before the lease was set to end and that I would only be getting the deposit that way. I then filed a motion in small claims court. Over the next two months he harassed me, lied to my family to confuse them in assisting me, threatened to extort me with false police reports, taunted me about my mental breakdown, and had the police called on me for a noise complaint. We had to sign a lease break agreement and pay a fee because I couldn't afford the apartment alone (student on student loans). He then counter claimed me in court saying that my "threatening texts" (he was using my PTSD/TBI symptoms to bait me into making a case that he "had" to sign the lease break when he in fact had started all this while I was totally lucid) are reason that I owe him money for the lease break. He also claims that I committed theft (I have some of his stuff and have tried multiple times to return it but am only met with harassment) when he actually did steal my goods. He has threatened to extort my family for money too. The police just don't care.

Anyway, this has all lead me to have a complete mental breakdown. I have tried to call the police to have them file a report on him. That's only gotten the cops called on me to make sure I'm "not going to hurt myself." I really don't know what to do. This person has completely ruined my life, and continues to do so (he finally stopped texting after I informed local police in my new county). It's literally driving me nuts. I lost 12 lbs last week from stressing about failing school and having to pay the money back, and having to try to explain all my craziness in a court. No one seems to want to help or decipher all of this. I may end up homeless. I know that a lot of this seems self-inflicted but there are many crazy PTSD symptom nights written between the lines here. Any help would be appreciated.

Footnote: I already had panic attacks with school for a variety of reasons and the stress of this issue has just blown in out of proportion. I try to right then totally dissociate and hours go by. Then I'm stressed about failing and owing the school money that I don't have. If I owe them money, I won't be able to register for my last class and may never finish my degree.
 
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I have some questions if you don't mind.
He stated that he had no credit problems and was willing to stop partying all the time. We then signed a lease while were both out of town. (I had to have my dad sign
If you were 18 this is completely legal and voided the lease agreement to begin with, why didn't you go that route?

He was paying the bills, he just hadn't payed you back for the security deposit, but he was working and you weren't? You are hoping to finish your degree so I assume that you are planning on working? Can you work to pay for your last class? Even if you owe them money they still let you attend if you pay cash. I know from experience.

It seems to me you were trying to live on credit alone. Honestly it sound like you have made some very poor choices. Yup, I know I sound cold and uncaring, I am not, I promise, but I have to be honest and say that you have set off all of my warning bells. Things like,

. I was kicked out of high school for not showing up due to my traumatic hospital stay.
They don't do that. Your parents either have to enroll you in a medical study program the school provides or your parents are arrested for your unexcused absences.

Let's put all of that aside. You need a way to financially support yourself and you need to get into therapy for your PTSD symptoms.

My warning bells probably go back to why people don't believe your symptoms. I am not saying you aren't being 100% truthfully honest here. It may be the way you come across because of how you were raised Heck, I have that problem myself. I think that just emphasis the need for therapy. I have no doubt your are suffering, I am just struggling with some of the details of your financial and schooling situation.

I am sure other people who read this will be more compassionate than I am coming across as.
 
Anyway, this has all lead me to have a complete mental breakdown
First off, you need to get mental health support as soon as you possibly can. I am hoping you have insurance still, either through your parents or through your school.

There are a lot of things going on, and to be honest, a number of them do sound like poor choices. Navigating adulthood and independence is not always a smooth process, and everyone makes mistakes that can create both significant stress and very real financial ramifications. This is part of life. You had a number of very clear warning signs that you chose to ignore - but the good thing is, in the future you will likely not fall into the same kinds of traps.

You come across as high-functioning, and you've admitted you are high functioning. So - what are the actual immediate next steps you are facing? It's a bit hard to tell from your post.

  1. Where are you currently living, and when will you lose that housing? Do you have a plan to house yourself?
  2. What is the status with lawsuit(s) that have actually been filed and are active?
  3. What is your school status - are you still enrolled? You mention failing out - how close is that to actually happening?
Debt is always a frightening thing to face. I don't think it gets any easier, the older one gets. But as frightening as it is, there are also multiple ways of addressing it, and professional organizations that can help you do so.

There's interpersonal stuff with your roommate, clearly. That can go on the back burner right now, while you get your own life shored up.

And as far as extortion goes....if you don't have a PTSD diagnosis, or a diagnosed TBI - your roommate can make claims about it all they want, but it doesn't actually exist. Whether you think it might exist isn't relevant. It doesn't exist, therefore it cannot be used against you.
 
First off, you need to get mental health support as soon as you possibly can. I am hoping you have...

To the first responder:
I had a part time job at school, but quit midsemester so that I could deal with health issues while still passing classes. That decision came before the roommate mess. I was kicked out of high school when I was 18; I would only show up to pass tests. I was 10th in my class in the best private school in the state when I was asked to leave. I have trouble with people believing my symptoms because I am articulate and successful "on paper." There have been several times where I have been barely functional from dissociating all semester, but end up with the best grade in an advanced chemistry course because attendance isn't taken. I just teach myself from home when I'm feeling okay which takes me far less time that most and often times end up with top grades in the class; I had a complete mental breakdown my sophomore but still was the only person to get an A in my Organic Chemistry II class. I can rapidly teach myself difficult material (learning things on my own has been my coping mechanism for trauma my whole life) and to the outside world it seems like "he's a great student with incredible grades that functioned the entire semester" when in actuality I could barely function as an adult and am just really good at academics. Also, on the first apartment. Even if we were both consenting adults, it is illegal in my state to rent apartments that are not habitable. The health department gave them a notice about this. It is also criminal to financially exploit those with mental disabilities in my state.

To the second responder:
I had to move about 20 miles away from my school which was less than a mile from my last apartment. This became an issue because the closest bus stop is 3 miles away and my car continues to breakdown. I have dropped every class but one and am still waiting to hear if my last assignment that was late will be accepted (I lost the data on some stolen harddrives and started dissociating when I tried to rewrite it. I managed to finish it, but only after having a complete breakdown). I was getting mental health help through school, but their system got too overloaded when all of this began happening last semester and I became too dysfunctional to make my appointments that were 3 weeks apart. I'm also fearful to begin (I still am scheduling appts though) treatment there if I'm going to be barred from registering as a student.

I do have multiple TBIs diagnosed (I've had so many since childhood that I'm uncertain how many I actually have), but the mental health diagnosis issues are more ambiguous. I've had a laundry list of those diagnosed, but the only one that I believe to be the same throughout has been ADHD and "ptsd symptoms." I no longer live with that roommate, and filed the civil complaint because he threatened to have his lawyer send me a notice that he was vacating and couldn't risk having him leave without allowing me to sign a new tenant. My father was the cosigner and said that he would never speak to me again if he lost money on that apartment; many of my rash decisions came from that statement. I no longer live with the roommate that caused that issue.

I was living off credit and my school job, and because of this roommate issue and my poor ability to function with it and move midsemester to an area that makes it difficult for me meet my responsibilities, I let me symptoms run amok and the issue exploded beyond what I was able to cope with. Before all of this, I was on track to pay my credit cards (mostly tuition) within 2 years and make a substantial dent in my student loans. I also have teaching experience, so I was considering working for the government for loan foregiveness. This period of time more than doubled my debt obligations. It sounds bad, but I invested a significant amount of time into making money with poker in this period because of how catastrophic that it all seemed. I actually made about as much as I would have with a real job for the income level that I would expect at my qualification level, but realized that this couldn't be a long term solution for what I want in life.

To the first responder:
I had a part time job at school, but quit midsemester so that I could d...

The roommate counterclaim is an issue because I have so many things that I need to clean up in life right now that I don't have the time to prepare a counterclaim (I don't even know how to defend against total falsehoods like police reports that don't actually exist but that he harasses me about) or the emotional energy to deal with it (it was a highly traumatic situation and reviewing the evidence makes me dissociate). I'm really just considering giving him his counterclaim money, so he will leave me alone to deal with the issues that will help me get my life back together long term.
 
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Thanks, @TalentedButNuts, for explaining things a bit more.

I had to move about 20 miles away from my school which was less than a mile from my last apartment.
Is there on-campus housing? Were there any room-share options closer to campus?

I was getting mental health help through school, but their system got too overloaded when all of this began happening last semester and I became too dysfunctional to make my appointments that were 3 weeks apart
Are you registered with disability services at the school? That can make a real difference, when the shit hits the fan academically for whatever reason. If you have not gone in and talked to them specifically, you should do so.

I had a complete mental breakdown my sophomore but still was the only person to get an A in my Organic Chemistry II class

I have dropped every class but one and am still waiting to hear if my last assignment that was late will be accepted (I lost the data on some stolen harddrives and started dissociating when I tried to rewrite it. I managed to finish it, but only after having a complete breakdown).
You are over-using and mis-applying the phrase "complete breakdown". I'm pointing this out, so you can stop using it - not to minimize your experience. By definition, a mental breakdown is an acute period of symptoms during which the sufferer can perform none of their functional tasks. What I believe you are trying to communicate is that you've worked through your crisis periods, and that the fact that you have worked through them doesn't mean they weren't bad, and weren't real crises. It's OK to describe it like that. In fact, it's better - because it's accurate.

Anyway, this has all lead me to have a complete mental breakdown. I have tried to call the police to have them file a report on him. That's only gotten the cops called on me to make sure I'm "not going to hurt myself."
That's what happens when one gets trapped in a loop of catastrophizing...the outside world starts to worry about you.

Next steps:
If I'm reading right - you have a roof over your head, but it's not at all practical for continuing school, because your car isn't reliable. So, you need to look for a new place to live, or solve the car situation.

You have an active case (claim) in court. What is the timeline on that looking like? Can you postpone addressing any prep for the counterclaim until after that initial judgement happens? What is the timeline on the counter-claim?

And I'd strongly suggest you meet with both your advisor and the office of disability (or accessibility) services at school, in order to get a clearer picture of what is going to happen there.
 
Thanks, @TalentedButNuts, for explaining things a bit more.

Is there on-campus h...

I stopped going to Disability services after they proved to usually just complicate matters and waste more time (long story). When I say complete breakdown... I mean not leaving the house or speaking to anyone for weeks and overhearing my last neighbor on the phone with her mom that she was concerned that her neighbor "me" looked completely emaciated and dehydrated. I've been hospitalized before but usually forego that route because the costs are prohibitive... after getting fired from several jobs for having these breakdown periods I started living on credit because they were easy to hide while in school (plenty of people get away with poor attendance for a host of reasons). I've lost 12lbs in a week multiple times when this happens (and I'm usually only at 140-145 when in top notch health). I usually come up with a drastic plan to recover which eventually fails and repeats the cycle...
 
Thanks, @TalentedButNuts, for explaining things a bit more.

Is there on-campus h...
Finding a new apartment is not tenable right now because I can't find a job that will work with my school schedule that will meet the requirements to rent an apartment. We have one of the largest rent hikes in the country every year compared to other areas. I was lucky enough to have a friend that would lease to me month to month, so I didn't become homeless. Again, not because I didn't have cash on hand, but because I can't qualify for a lease that will meet the conditions that you describe. If I move to a lower cost area, I then can't finish my degree and would have to spend too much money meeting course residency requirements to switch colleges.
 
Finding a new apartment is not tenable right now because I can't find a job that will work with my school schedule that will meet the requirements to rent an apartment.
So, car? Compare cost of car to cost of striking a deal with a local uber or lyft driver?
I stopped going to Disability services after they proved to usually just complicate matters and waste more time (long story).
Doesn't matter, if what you want is a strong foundation to make a case to the school why you should not be kicked out. I know they aren't always the best - but the paper trail is for you, not them.
I mean not leaving the house or speaking to anyone for weeks and overhearing my last neighbor on the phone with her mom that she was concerned that her neighbor "me" looked completely emaciated and dehydrated.
Still crisis. Look, I'm not trying to be the diagnosis police. All I'm telling you is that if you were functional enough to finish a paper, you were not in a breakdown. The definition of breakdown requires that you can't finish a paper. Might seem like semantics - except, if you want to be taken seriously with your mental health struggles (and I do believe you are having real struggles), you are better served by using accurate terminology. Using exaggerated terminology in order to communicate the depth of your problem will only result in people not listening.

This is coming to you from an incredibly high-functioning, deeply ill individual. I've functioned through very difficult things, and experienced the dissonance that medical professionals have when they look at what I describe my symptoms as vs. what I've been able to do during that time. My advice is coming from a place of experience. Your crisis state might resemble other peoples' breakdowns...but that doesn't make it your breakdown. This primarily matters because a number of things you are dealing with - court case, school dismissal - require you to describe your personal condition to others in a way that they will understand. It secondarily matters because I do believe it might help you to grasp that you have been running on empty, instead of have crashed and burned multiple times. And hey - if that's not helpful, that's totally OK too. We have a saying here, "take what's useful and leave the rest". I'll not harp on this string anymore; consider my piece stated. :)

SO, back to school/transportation - cars can be such money pits, once they start breaking down. It's a little more time-intensive to try and negotiate some kind of repeat deal with a driver, but could become a solution, since moving isn't an option.

And the timing on the court cases?
 
First time posting, but really need advice.

First, I've never been able to officially obtain a...

I would never attack someone with a question: well why did you not do this or that? You were in a horrible position and anyone that criticizes you on top of your pain is a very very very bad person.
You have been taken advantage of by a very dangerous predator and with PTSD were unable to protect yourself. I hate it, hate it when people attack victims, that is just not right.

I would suggest getting financial advice with an agency first and find out what you can do. Also, the schools are often very understanding when students have trouble meeting their financial obligations.

I will always be in debt too due to my education. It is just something I have to accept, I try not to think about things I can not control beyond that.

But boy, whenever I witness someone that says to a victim: well, why did you not do this or that I am ready to blow my top.
 
Thank you, freedomfighter... was actually kind of regretting having made an account.

I think the whole crisis vs breakdown argument kind of exemplifies what I'm getting at by not having people believe me. I've been institutionalized with a 4.0 and even completed genetics homework while in the hospital... one minute I may be having flashbacks/dissociating, the next I may be relatively lucid with high anxiety. You have to remember... learning was my coping mechanism for a long time. Before I went to the hospital the first time (almost 9 years ago), I was barely eating, staying up all the time, getting high all the time, could barely carry on a conversation with the outside world, and was completely out of touch with reality... However, I would stay up for hours reading encyclopedias and intellectual material and could fully comprehend the different aspects of it... that doesn't mean I was functioning like a normal person at all. I don't think taking a week to finish a five page paper that was already 80% completed because you're dissociating/flashbacking to be an acceptable lifestyle to continue.
 
To respond about the question about the court stuff.

I've already had it continued twice because there was literally so much evidence to go through, and I just haven't been able to handle the stress of it with school... which led me to do poorly in school and try to find other means of income while totally neglecting school... which led me to regret having gone too far into crisis management mode and want to finish at least this last class. I mean beyond the effect that it's had on my status because of the financial impact, I actually tried to help the guy and trust him in the beginning. When he was just starting to reveal his exploitative behavior, I thought he was just in a funk from having moved to a new place and even tried to help him become friends with people that I knew. It's really damaged my ability to trust people which was already terrible. I get panic attacks just from going through the texts and recordings about the case. It's also hard to deal with because most people that I know have been dismissive or really inclined to assume that my personality precipitated his behavior when in actuality I've come to the conclusion that I just trust the wrong people out of desperation and allow my isolation to get me involved with predatory people. People that want something from me usually go out of their way to get involved with me when I am self isolating for obvious reasons. My inability to regulate my life in a healthy manner leads me to situations where I befriend and trust people with negative intentions.

I don't even know if I'm likely to get kicked out. I had a 3.85 GPA going into the semester, so even if I failed every class, I wouldn't be close to academic probation. However, these past two semesters were the first two that I'd ever qualified for grants or thought about dropping out entirely while receiving loans (my first medical withdrawal at a different school was self and scholarship funded). I will admit that I get significant anxiety when dealing with school bureaucrats. I don't even know or understand the consequences of how I've treated this semester. Total apathy or delusional attempts to remedy long term financial problems/get my health together while still on student loans.

I've been so condescended to or given completely wrong information so many times at my current school they had the "care team" called on me... I was lucid enough then to document their wrongs but it still affected my anxiety level approaching them after that. I dropped out of my first school because they were blatantly violating disability law (some of my teachers were so lazy that I got tests that didn't even have the entire question on them which then required we meet with him and the disability office to watch them plead for him to do his job - I actually aced the test, but it was really just me feeling violated and not getting my monies worth). I found out a year after dropping out that there were multiple people in athletics under criminal investigation for underage prostitution, there were people under indictment for lying to the feds about the functioning ability of their safety equipment for class 2 biohazards, several college heads under indictment for embezzlement, and the governor calling to have the school board of director's dissolved. I feel like I was validated in them taking advantage of me, so all University experiences are kind of difficult to deal with. I feel like I'm going to do very well academically then have the rug pulled out from under me over misinformation or being openly discriminated against or discrimination over not understanding symptoms.

It was extremely difficult for me to type any of this out. I had to edit it quite a bit because it became almost nonsensical at times.
 
As for the car, I barely drove prior to having to move because I always rented close to public transport. Only now has the problem of relying so heavily on a car become an issue. There were many times at prior apartments where I didn't drive for many months at a time. Now I'm dealing with a driving phobia, the fact that there are actually a lot of dangerous driving habits/heavy congestion here, and having it constantly break down has me... well running on empty I guess.
 
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