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The Edge Of The Abyss

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This is a link to the Community Alliance of Tenants. I take it that your landlord has grounds for the eviction for missed rent payments? Call them and ask them what is the law governing eviction of minors in Oregon. Its pretty hard to evict someone with kids in my state, even if the person hasn't paid rent. Maybe they'll have some advice. Its worth trying. Also, ask if your landlord taking even a portion of the rent would invalidate the eviction and start the process over again. It works that way in some states too. Then give your landlord check for whatever you can and see if he cashes it. (I know you put your last buck into the gas today, but this might be handy when you manage to raise some funds.)
http://oregoncat.org/community/alliance-of/tenants/C8/
 
Hi Pottershand,

I'm new here. Others have made some good suggestions.
Worst-case scenario, if you lose your housing. 1) save money on food by hitting the foodbanks up 2) Keep money aside for if you need to keep your belongings in storage-- e.g. if you have a lot of furniture-- there are usually moving companies that can move your stuff and keep in storage for you. 3) Other option, if the furniture is not so great and you don't have high storage demands, then don't worry about.

I'm in Canada, so I'm not sure how your social services work there. We have welfare and also Disability coverage and programs for financial help for e.g. women with children. Disability and Family Benefits give out more than welfare, but sometimes people start on welfare until applications have been approved for disability. Benefits also can include things like "start-up allowances" some $ to go towards furniture for a new place. We also have church-run organizations, that also help donate furniture (here it's St. Vincent dePaul's and if you've been a member of a church, you get special benefit, free furniture, including free delivery).

The people at the women's shelter ought to be able to fill you in more on what exists in social services, emergency aid funds, etc.

I've never been able to own a house, I've been sick with PTSD for the past 10 years and it hit me when I was in school, I worked a lousy job before that, so no benefits, no security, etc. My younger brother was likewise affected (cause the family of origin was really really sick and abusive). My brother was able to get full time work but still couldn't afford his one bedroom apartment on his wages.

Meanwhile I had to go on state Disability, risk of homelessness was there for both, so we got together to make it work. We are crowded 3 people to a one bedroom, but it's a better neighbourhood. Had to "think outside the box", and divide the living-room into two bedrooms-- I just had to get over the 'expectations' I had before. Anyway, we've been able to make this work, and it's turned out to be blessing in fact, because it's better living and more cheaper (my brother was getting stressed also because his wages were not enough and he was having to use credit to pay for his living expenses, food, rent). This living arrangement means we can withstand job loss, so one less stress and it gives my brother a chance to try to pay down his credit card.

Money/debt stressors: here we have something called "Credit Consolidators" and what they are able to do is negotiate with people we owe money to lower the payments, even the whole amount, because from a business perspective, creditors are happy to have some payment than no payment at all. I don't know if there is something similar where you live, but it's an option not many people know about, untill they really need to know!!! ;-)

Sometimes there are surprise blessings-- getting away from an abusive husband is one of those things that will feel much better once you get re-settled again. . . and that will happen. These stressors you are going through are not permanent, not the end of the world.

As for PTSD overwhelment through this: I was able to get some help for myself via a local drop-in centre (serves homeless) and with help of my social worker, to obtain a "mental health worker" and advocate to help support me while I was going through the stress of Disability applications (my dissociation was quite severe, blanking in and out of being aware of the present moment, it was hard to answer questions, etc.)-- so this was good support for me.

It sounds like the shelter people are a good contact and they should know a lot about local services and programs to help you and your children. Where I live we also have the "Mobile Crisis Unit" which can be accessed through the emergency crisis lines-- they also have social workers that can come meet me where I'm at if I'm having complex problems, e.g. suicidal, facing homelessness, messed up with PTSD. I've heard the spread of this service across Canada and also through some States.

Bureaucracy exists when it comes to trying to seek funding from the government. Yep, it's a fact. Sometimes there are alternative ways to find funding, like Blue Cat suggested, via some of the church run organizations.

Anyway, I understand that right now things are high stress for you, and understably so, this is a major life transition going on and and the same time hampered by financial stress and PTSD stress.

I agree with others, you and your children are the most important here, beyond any possessions. I feel this way about my brother, who's also been PTSD damaged (and closer to DID). Something we tell ourselves: "Where there is Breath, there is Hope"-- it goes with our yoga training, but it's also true. You just need to survive this period of time and this chaos-- and you will-- you're a strong woman, who had the courage to get out of an abusive marriage; who had the courage and faith to have children-- you're a lot stronger than you realize.

And it's completely okay to say, "man, this feels like enough!!!", because I'm sure it is overwhelming right now. Sometimes I surrender to the difficult leaves a space for creative problem solving, finding out about where to get help, how to move through the system. Blue Cat's suggestions are good-- phone, write your local politicians, use the press. Do whatever you have to. You'll get through this though.

Eleanor Roosevelt once said: "A woman is like a tea bag; you never know how strong she is until she hits hot water" ! We Candians up here admire many of you people down there in the states :) It's tough times though, economically. The middle class doesn't feel it up here, but the working class sure does. It's very sad to hear about the housing bust, and foreclosures.

Sending you prayers (from up here, A Canuk ;) )
~Nishkaa
 
Thank you all! I am going to have to re-read and digest everything and all the suggestions. Not tonight though. I'm done in. Wanted to acknowledge how much all your support means to me though. Maybe...just maybe it will give me enough to fight another day. 4 hour class in the morning through Department of Humane Services to try and get temporary assistance for needy families, medical, and help job hunting. Honestly feels like jumping through another hoop with out much hope. Too tired right now to think about it, and too tired to stop thinking about it....sucks!

Thanks again everyone....means the world!

PH
 
Money/debt stressors: here we have something called "Credit Consolidators" and what they are able to do is negotiate with people we owe money to lower the payments, even the whole amount, because from a business perspective, creditors are happy to have some payment than no payment at all.
Be careful with these in the US. There are some loopholes in the law that allow credit consolidators to collect fees for their services without reducing your debt. You could end up paying monthly and then find out your debt haven't decreased and you are being sued for the rest of your debt. You are much better off writting a personal letter to whoever you owe and explaining your situation and suggesting a realistic repayment. I.e. dont' say I'll pay $100 per month if you don't have the money. Ask for deferment for a period of time and save during that time and then make the reduced payments as you go. Even the IRS will give allow you to pay on a payment calendar, lol. I did that after my ex cut me off our joint tax return and I had to file as self-employed and ended up owing on taxes.



Eleanor Roosevelt once said: "A woman is like a tea bag; you never know how strong she is until she hits hot water"

lol, Nishkaa, that hit the nail on the head. We're brewing some strong tea here ; 0)
 
Any action helps, direct helps the most-oh my Bluecat, such a relief to see all that while casting about in one's head for exactly that sort of thing.

Lots of Eleanors here. I've read her biography several times. She was born with certain advantages and did not share the shocking traumas we've had to adjust to but boy, her hardships were terribly painful. As an example of grace and strength in times when women were pretty much discounted in society, she always gives me hope. When this dust settles, Pottershand it's a good read because history disagrees but I think she won in the end, you know?

Do keep letting us know how you are, both practically and emotionally. You can see the care is genuine,

xo

Anni
 
Wow...I am overwhelmed by the support and encouragement. I had no idea or had forgotten what if feels like to have people respond with such care and helpful suggestions. I am truly, truly touched and overwhelmed with gratitude. Tears are streaming down my face as I read, re-read, and read again all your posts. People care....wow!

Today I am not feaking out. I am resigned to what ever happens. I don't know if that is better than yesterday or worse. It is what it is though.

I spent my morning at a class through Department of Human Resources. All the agencies I have been going around to were there and I again met one on one with someone from each. Still no answers on housing. My commission income and lack of child support make me ineligible for any of the grants or emergency assistance programs. They need to have proof I will have income next month and I can't prove it with commission sales. Basically, I'm screwed! Need a job with a wage or need child support. Been working on getting both and nothing has come through. Back to square one....VERY DISCOURAGED!

Have food and my daughter has medical. Yay, positives!

Human interest story has crossed my mind. I am not emotionally able to deal with that at this time. Too much risk to my safety from the SOB who raped me last September if he somehow found out and too much risk with ex being such a small community. Trying to keep a good relationship between him and our girls. His abuse was emotional and economic. Okay, he did force me after the rape thinking it would help me get over it. Oh God....not going there!

Church is just too painful with too many triggers. The last time I went to my church for help they ripped my character inside out and scrutinized my spirituality before they would consider helping. Then they decided against it. I was with my husband and they decided he needed to be the man of the house and take more responsibility and take care of his family. Yay...telling him that did nothing but make things at home worse. So they chose to let my girls and I continue to suffer the consequences instead of stepping in and helping or even trying to hold my husband accountable. I'm sure not all churches are like that. But how do I know?

I am going to speak to my T friday about the disability. Takes forever to get on it, but it can't hurt to approach the subject and see where it gets me.

Nothing has changed. Got no more answers today than any other day. Have a call out to people I have done work for in the past to see if there is any kind of jobs out there. Quick cash kinda work. I've done about everything you could imagine over the last 25 years. It was important for me to be available for my kids so I created my own work. Housecleaning, stall cleaning, selling horse tack, woodworking, painting, making wreaths, ..... so many things I have done. Why do I feel so frozen now then? I can't even begin to think about expending the kind of energy it takes to create work again. I feel so unstable and unreliable emotionally. To have someone else depend on me or rely on me seems impossible. Money or not. What is wrong with me....where is my endless energy, creative thinking, do or die attitude? Now it is more the, just let me die, attitude. I am screwed if I can't pull it together. Not only me, but my daughter. Oh God....this is not good!

Sill standing on the edge of the abyss. Can't seem to step away. Good news is I haven't fallen in or jumped just yet.

Thanks again everyone! Hugs, PH
 
Oh- is there one of those agencies where you are that send people out by the day to work? I forget what they are called, but I'll bet someone here knows. The work in generally boring, like something in a factory but I think you get paid right away.

BOY I do not understand all the things tied up in receiving child support! I won't get into it- you do not need someone else's infuriating, completely incomprehensible story but have no idea why the refusal of some *sswipe to support his children ( without death threats, but that's a whole 'nother story ) has to impact us even more negatively that being ALSO without the cash! Makes the top of your head want to pop off, doesn't it? SO wierd! If we had any control over the issue, does anyone think we'd be going without volountarily? Just more madness, I know.

Yes, how DO you know which churches? There is not way and I've seen ones like you describe-not a truly religious principle in the building, either. I know one which hangs a list, in the vestibule, of the members who haven't used their contribution envelopes. There's Christian grace at work for you. The ones who do help do so behind closed doors, without the input of the masses and solely at the discretion of one person, the pastor. Anything else leaves the receiver open to exactly the sort of humiliation you were put through, and is impossible in the best of congregations.Like you said, however, which ones? The ones who wish to crucify you- well to hell with that nonsense. I did send an email to someone who might know-just in case there's a way to tell without being somehow connected.

It's funny to think because it's an on-line place with no doors or carpet, no dues or meetings or a janitor to clean up but this is an awfully nice place to be when things are awful. People really, really do care and don't just pay lip service to the process.Kind of amazing if one thinks about it.

Gosh I hope there's something-anything which is UP in all this at some point immediately if not sooner. Still here!

xo

Anni
 
Hi PH,

its always darkest before the dawn. You've been so proactive and worked so hard, something will come out of it.

I am thinking of you and your girls,

Best of luck,

Bluecat

One more idea, do you have a lawyer? I know lawyers cost money and to get a pro bono lawyer you have to qualify and god knows if you'd fit, but, when I needed legal advice and was stuck, I called one divorce lawyer and scheduled a half hour intro consultation with him. Those are free. Then I told him my case and asked him his fees. It was more than I could afford and he didn't take my case but he felt compassion for my struggle and gave me a good legal advice during that first meeting. So if there are any legal question regarding either your divorce or eviction, you could try that.
 
Hi PH,

Frustrating thing about your church. Yep :(

Right now where you are at is you are trying to keep your current housing, an apartment, and there's an eviction notice. I checked out some resources in your area, there's a 211 line you can call-- and you can also check it out on the web. I can send you a link in PM

I notice through the 211 service, you guys do have some Salvation Army and Vincent de Paul locations? Some of those do offer services for help with emergency rental payments. These are usually available as once a year only, can't dip twice into it in the same year, generally speaking. From what I've read, it depends on which location, some places won't help once you've recieved the eviction notice, but other places might still be able to help with emergency rent help.

Are you getting "case management" through the shelter? Or do you have to be a resident in the shelter first for that service? A case manager should be able to guide you step by step through this. If one option doesn't pan out, have to try another option, next on the list. One thing at time, one day at time.


I guess it's apparent, you can't rely on your husband to be consistent with his support payments, so it's about planning around that and using as many community help options as possible.
I'm glad you got food and your daughter has health coverage-- that's something.

I don't know if you would have any family that can help, whether that is a possibility or not to help you through this month? You can always try, I guess-- just don't over attach to the results ;-) It hurts when family abandons us :(

Good to know Bluecat-- to get your perspective on the credit counselling-- man, it just sounds so criminal how some agencies behave. :( I had a friend who had good success with one up here, but yeah, one needs to keep their wits about themselves-- it's aweful to think of others preying on other people in difficult circumstances. What the heck?

But yes, we do have a lot of Eleanors here :)

At worst, if you do fall back into the shelter system, you can start again. New housing can be found, it's just a major hassle. There maybe be still some newer options to explore? All we can do is do our best.

Thinking of You,
~Nishkaa
 
GOOD NEWS!

:thumbs-up Finally some good news to share! My ex and I own an older pickup truck that broke down on me a couple weeks ago. Took it to a mechanic friend and he said the engine needed to be replaced...$2500. OUCH...can't do that and with 240,000 miles on it...not worth it. So my ex, in all his generosity, says he is washing his hands of it and doesn't care what I do with it. He isn't going to help pay to have it fixed. So I'm thinking, great....now what? I am not suppose to sell anything we own jointly until the divorce is final, so I haven't been trying to do anything with it. My mechanic friend has been keeping it at his place until I can do something with it. So tonight he comes and tells me he has a buddy of his who wants to buy it. He is willing to tow it to his buddy who lives in another state and get the cash and bring the cash to me then pick up the title. He said he knows I am going through a tough time and he isn't going to charge me for towing or for the work he did on the truck to find out what was wrong. Get this....my rent is $750, the guy offered me $800. That is rent and money for the gas tank! Not sure when this is all gonna happen....BUT....Hope, it gives me hope! :smile: Oh, and this is so out of character for me, but....screw the order not to sell anything, I'm selling!

So glad I could share good news! Maybe tonight I will get some much needed sleep!

PH
 
Glad to hear you got some good news PH! I also had a thought. Someone mentioned contacting the governors office. You also might want to contact Kitzhaber and Dudley's campaign groups as well. I'm sure they would love to be able to toot their horns that they helped someone (anonymous someone) who was in need. Just a thought that maybe you might get more willing help from the next potential governors.....especially from Dudley's camp.

Jawn
 
Hi PH,

That is good news. That's quite a relief, isn't it?

Careful about this temptation though:
"Oh, and this is so out of character for me, but....screw the order not to sell anything, I'm selling!"

I didn't realize about other assets, but be careful. It can be easy while under financial stress to want to over-spend the moment a financial stressor is lifted. I've been prone to do this, but out of necessity, I've had to learn budgeting, making sure all my basics are covered and to try to save some money in my bank account for when I really need it.

I also looked at ways to reduce my expenses, e.g. I don't need cable TV, but I feel I need phone (and had internet thrown into it); I don't need a car, because the public transportation, though a hassle, I can still get to where I need to get to, with good planning (time and knowing the bus routes). My brother's car is not happening, the repairs are too expensive, but he adjusted to public transportation and has been able to save money from the cost of gas each month (which he needs to do, because he need to pay down his credit card). Heading into the winter months, so want to make sure to budget for added utility expenses (heat and hydro).

Need money too to start budgeting, figuring out a solid source of income, by work, social assistance, or disability coverage.


Were you behind a lot of months in rent, or just this month? For next month (we pay here at the begining of the month), is that covered? Can try the some of the "Saly Ann's" for emergency rent for the upcoming month-- some of them say they won't help if it's already gone to eviction notice, but if handled before eviction notice, yes, they can help and I think it's something like rent help, once a year.

Since your husband says it was okay to sell the truck, that's good. But there is some stuff going on with the lawyer, about not spending down the assets until the divorce is finalized? So, if possible, good to avoid doing that, unless absolutely necessary? Covering rent to avoid homelessness, seems like a reasonable thing though in this instance.

Anyway, it's really good there has been some temporary relief. Now there is time for planning, and getting yourself set up with a reliable stable source of income.
 
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