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free money to help pay bills

butterfly22
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Posted by butterfly22

on Jul 26, 2005

  I am a single mother of two I need money to help catch up my bills and to rent an apartment for my children and me I am currently unemployed

Categories: money, grant, free money, no repay loan, help pay bills, brain injury, help in time of need, undefined, $10 Instant Payments
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little lily
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4406. little lily posted 1 hour ago

I am 22 years old and I am struggling to put myself through school. I am hungry and desperate to pay my rent. I was working at a new restaurant that my family opened but they got angry when I said I wanted to go back to school this year to finish rather than taking a year off and so they refused to pay me for my time and then kicked me out. My then boyfriend had just broken up with me because I left town for a few months to help them.  I was forced to sleep at a neigbours house for days until my best friends parents came and got me. I cant tell them I cant pay my rent - they will be so disappointed. I just need some help until I start getting a couple of paychecks and then I will pay it back. I just found out that the room I am sleeping in is infested with bed bugs so my friend is coming over in a few days to help me clean it out. I am so scared and sad and I am so very desperate. I spent what little money I had to feed my cat because it is not fair to her - she can not feed herself. If someone could please help me I would be so eternally grateful - I am in dire need of prenatal vitamins as I believe I am pregnant but can not afford to buy a test nor take time off to go to a clinic.

I will pay the money back - then as soon as I am able I will pay the favour forward. Somebody please help me - I am so scared and alone.

Ijustgottamakeit *
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4405. Ijustgottamakeit * posted 3 hours ago

Hello my name is Nichole and I am a 20 year old single mother of one. I am attending school for Nursing. Who ever said that being a single mother was a piece of cake told the biggest lie ever. Since I had my son at the rare age of 17 I had to grow up alot quicker. I told my self that when I had this baby that I wasnt going to allow him to feel the struggles of the world as i did. Everyday i just feel like im working and working to move forward and do great things but in reality im bing pushed 3 steps back. My sons father alothough he's older than me has the mentality of a kid and he is no where near ready to be the major influence my son needs around him. So once again there's another person who thinks im strong enough to do it on my own. I put alot of peoples worries on my back but in return i always am the one who gets second guessed or missed out on. I have been praying to God and asking him to make a better situation money wise for me and my baby. I am also working but the money i make is always going on bills, clothes, food, etc. If i had the proper transportation it would make this plate of mines that is oh so full a little lighter. I would be able to pick up extra days at work be able to get him to my sisters house while im in school,just everything would be so much easier. But I can never save a piece of money because every piece of money i get is spent before I can spin in a circle and say my name!! If anyone knows how i can find help please let me know. Im in Columbus Ohio :) just a mother venting....be blessed!

Tempy922
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4404. Tempy922 posted 6 hours ago
Hello my name is Donna. Im 100% disabled and on s.s.i. My husband walked out Jan 22nd 2010. I have a daughter that just turned 16. Im in need of help paying my electric and water bills. I would like to know if anyone has or knows of and agency who can help with a car.We have no way to get out and get what we need, i have a friend that comes 3 times a month and i try to get what we need, but if i forget something were outta luck. It would help us get to doctors and school appt. Please if anyone can help it would be greatly appreciated thank-you so much.
bb46
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4403. bb46 posted 12 hours ago
 in response to KWBLESSED...   I need help with my bills.
KWBLESSED
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4402. KWBLESSED posted 32 hours ago

IF YOU LIVE IN THE STATE OF GEORGIA AND NEED ASSISTANCE WITH MORTGAGE/RENT, WATER, ELECTRIC OR GAS BILLS YOU MAY QUALIFY FOR THE GEORGIA FRESH START PROGRAM. THEY WILL PAY UP TO $3,000 IN PAST DUE BILLS. I FILLED OUT AN APPLICATION AND WAS APPROVED FOR ASSISTANCE (ALL BILLS PAID IN FULL). YOU CAN GO ONLINE TO UNITED WAY OF GA TO GET MORE INFO ABOUT THE PROGRAM.

big red headed chick
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4401. big red headed chick posted 33 hours ago

Hi ! I  live in New Orleans, La and it is the worst place to be in times like this . It is hard to live in times like this with the Oil spill going on . Jobs have frozen and people are really in a panic. This is really no life, and there is no help. If you were not directly affected by BP. you are Fx:'k and it's not funny at all.

honestgirl83
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4400. honestgirl83 posted 34 hours ago

im a single mother of one and have no help from anywhere. i currently am unemployeed and just lost my unemployment. ive had to turn down a job bc i can not afford daycare. please help

 

little gril
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4399. little gril posted on Aug 31, 2010

I Edna Jones Need this Help right away thank you.

mika30
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4398. mika30 posted on Aug 31, 2010

I am a 30 year old women with five kids to take care of by my self with no one to help me my kids father not helping me at all he dont want to find a job but now i have bills thats over due and now they want to kick me and my kids out with no place to go i cant go live with my people they got other things to worried a bout. now i am stuck with no one to help me out i ask them for help and they all trun me down so i got to find a way to get my family back in order  i cry at night.

heyboy73
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4397. heyboy73 posted on Aug 31, 2010

We need major help bad, it's my mother and me. I had a Major Stroke in Nov 22, 2005  at UIC, I'm a Grad from Tulane in New Olreans and a Football Player also Arean football  for 2 years in was cool. But i did pay for not talking to my pareats.at all this damn stroke is not cool at all,did was warn i did not listen at all i'm pat for it now bills left and right . i have one car left 66 chey caprice that need to restored, the main thing is my mother she does everything this trushe Lepus and had 4 strokes. somebody help the Davis out now it big t6ime needed 1656 n, Lorel ave, chicago ill, 60639  Fred Jr and Dorothy

Baby Girl 12
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4396. Baby Girl 12 posted on Aug 30, 2010

I am also having it bad. I had a mental break down. The reason to kids there much help out where I live and I have two kids. I am not to get what I need for them do to the bills be over my head. God please bless me sitting to night with a angel who can save me on these over powering bills and there so many but where I am going to get it from and it in your hand and giving it to you and I am going to let you work on my prayer.. If there is anyone out there who can share to help out a worry mother like myself and other please help if you can there no time like know to help out each other. Love yourself so you can bless or be a blessing in someone life today or anyday. It's hard or everyone but there people that get money but that dont gave it out to help another preson. God put us this for a reason but do you know what I am talking. There is love, kindness, peace, joy, longlasting, and even at hard in each and everyone life no still changed..

getfreedental
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4395. getfreedental posted on Aug 30, 2010
 in response to shelly 71...   

Hi shelly,

Contact local social services for additional assistance.  I suspect you will qualify for various programs in your situation.  You are doing the right thing by seeking help.  Also consider local churches for assistance.  Take care and God Bless!

amabella
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4394. amabella posted on Aug 30, 2010

Please tell me what you did I am currently in a very badposition. Amy

Starshine
online
4393. Starshine posted on Aug 30, 2010
 in response to thongno...   

Hello

I wish I knew of assistance for you in Vietnam. Please ask around and see if there is help for you and your family. And stick around it will hurt your family so much more if you kill yourself. So do not do it stay here on earth with your family...

repent54
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4392. repent54 posted on Aug 30, 2010

Homelessness: What Should Be Done (A Personal Experience)

           
            I was sixteen when I first went out on the streets and became a runaway. I would try to sleep on the sidewalk, under bridges, down by the river, in skyways, and any other place which seemed available at the time. I would steal, rob, and lie just to try and get by. I would be cold and scared at night, because I didn’t know who would come along and try to do the same things to me what I was doing to others. I was addicted to drugs and alcohol, and became a womanizer. I tried to commit suicide numerous times. I basically gave up, because it seemed as if no one loved me at all.
            I was going through some rough times. To try and gain some protection, I joined a gang and did bad things to try and impress others. In 2002, I was involved in a robbery. We conned some people into going down to the river with us, pretending we were going to smoke weed with them. We went to the river, robbed them, made them take off their clothes, and walk into the water so we could escape. We were caught, not even 5 or 10 minutes later, trying to cross a bridge. We were taken to jail and let out almost the same night. I was going to be convicted and sent to prison to try and do a 3 ½ year sentence. Thanks to God, though, I joined a program and received only 60 days community service/STS.
          After that, I went down to the shelter called Salvation Army Harbor Lights to receive a place to eat and sleep. I would also go to Mary Jo’s and try to get a free meal and whatever benefits were there. I was a thief and a liar, but this was a choice I made. I went out on the streets and became a runaway, because I was angry about past things which happened to me with Mom and all. She sexually and physically abused me when I was between 4 &5. I was trying to escape, but was going nowhere fast and in a hurry. I needed help.
            God is so good. He picked me up, dusted me off and started me on the right path. I am very grateful and thankful for His grace and mercy. Without Him I would have been in prison, in the grave, or still out there on the streets.
            In 2002, October, to be precise, I was given a “second chance”. I went to the Salvation Army and joined the Spiritual Growth program. Through this program, I was made into a better man. With God’s help, I quit smoking, drinking, cussing, hustling, and many other things I used to do. Then in August, 2005, I was blessed with an apartment, along with more food clothing and shelter than I needed.
            There are many people in this country and throughout the world who are homeless or eventually will be. Homelessness is not always the homeless person’s fault. This can happen to anyone, through not having a job because there’s a felony on the record. Many don’t have a choice but to be homeless, and some choose to be this way because they would rather indulge in their drug or alcohol idols, rather than trying to be better people and better parents. But when there is a problem there is also a solution. In this essay I shall be used to touch base, talk, and write about this problem from statistics and past experience, and I’ll also be used to bring to light some solutions that are already in place and those that need to be.
           
            The following four parties need to be involved in order for there to be any breakthrough at all: the government, businesses and people with money in abundance, homeless shelters and programs, and education programs and agencies. The government should be used to motivate the following into being involved more and into at least try to lend a hand, so this problem doesn't become worse. People who were blessed with business and those with more money than they can handle should be willing to donate or fund programs that have been designed to be used in dealing with this problem. There should be cleaner and more humane shelters and programs, so those who are currently on the streets can be cared for properly and with Love. Then there can be more educational programs where someone who is on the street can be enrolled into and receive an education, without worrying about tuition or harassment.
            I believe the first point is we have fallen from being humane to each other, and now we just choose to try and get by, not caring about who we “step on”. Thus, the results become, there are homeless people, uneducated people, hungry and thirsty children, and more crimes and deaths.
            A solution to this ongoing problem would be reaching out to those who are less fortunate than us. We should also be used to open up more free educational facilities, more job opportunities. If there are fewer jobs, there will be more homeless people, more crimes as a result to being homeless, and more deaths; thus, there will be more people in jail and no parents to be with the children. If we go along with the solutions stated, the results would be less poverty, more jobs, and more education programs, less crime. We just have to want a better future; we should try to be sure the problems will be handled in the right way.
            First and foremost, we should all turn to God for help and guidance in the particular situation, so we can be more prepared and able to solve and/or deal with this problem.   Then we should not only be used to make and prepare more jobs for those who are currently unemployed, but we should also be used to make more educational programs so people can receive a high school diploma or GED, and be given a chance to go to college, so they can actually be employed and stay at the job.
            What I believe is that, if I could go through all the crap I went through and still come out being better than I used to, others can be used to do the same and even more. I’m not going to lie. Sometimes I back-slide and make mistakes, but I was given a second chance and I won’t give up. I am a new creation, and I want to be used by God to free and help others with this essay, with these words, and to motivate them into believing that there is a way out, and life doesn’t end with homelessness. May God bless you and keep you safe!
p.s.: i need help on paying rent and electric bills.
rent:$550 monthly electric:$15-$20 monthly
6122146134
2815 pleasant ave so, apt#5
lizzy24
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4391. lizzy24 posted on Aug 30, 2010
 in response to thongno...   please don't kill your self, I feel like that too sometimes but one needs to see our glass 1/2 full, instead of empty. You have a wige, and a blessing coming. Do what i did, ran to social services, drop your pride and ask for help-aid-cash-madical- and Ebt  for food, then cut all debt-hell w creditors, focus on surviving just a room for rent water and power, gas and important needs-not wants, God will help. Look down and not up, many of us are in worst situation.  The debt can wait but your baby's daddy is priceless- everychild comes with a blessing! 
Mali
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4390. Mali posted on Aug 30, 2010
 in response to anthony espinosa...   hi, my name is Beata. I come from poland. I need 100 000 $ credit. I can pay 1200 $ per month. Some of this money is  for help my husband , becouse he have a tumor . If u can help me , send me a @  for : malwina_magdalena_s@yahoo.com 
shelly 71
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4389. shelly 71 posted on Aug 30, 2010

Hi my name is shelly and i am a single mother of four, i am wondering if anyone out there knows of a charity that might be able to help me out? i have never done this before so i dont know where to start, i am struggling with the cost of living so much and i dont know what to do, one of my children has a learning disability and i cant even get the extra help he needs, and this also prevents me from working. the rent i pay takes most of the money i recieve and what is left i buy the very basic foods. thank you shelly

angle1
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4388. angle1 posted on Aug 29, 2010
 in response to angeldreams84...   dam thats tough im so sorry look what state u live in because fema has a homeless prevection program along with the salvation army
angle1
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4387. angle1 posted on Aug 29, 2010

your right because if u kill yourself youll be taking the easy way out and your wife will have a dead husband and no money

thongno
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4386. thongno posted on Aug 29, 2010

my life is like a sad song. my wife is pregnant but i haven't got money to pay my debt and my business failed completely. now my debt is about over 12000usd. in vietnam, average income is about 150usd/1month. please think that when i can get enough 12000usd to pay my debt. i sometime plan to kill myself but how will my wife and children live without me. i don't want to be  an irresponsible father. please help me, God will protect you

angle1
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4385. angle1 posted on Aug 29, 2010

hello

Starshine
online
4384. Starshine posted on Aug 29, 2010
 in response to angeldreams84...   

Hello and I am sorry for what happened. I have had monies stolen so I know the feeling. I do telemarketing too but not right now. If you go to this link and look for my remarks to someone else about jobs and rent etc I am hoping you may get some help

 http://how-are-you-today.aidpage.com/about.htm?cid=383146#comment383146

Good luck and hang in there about seeing your son. It may not happen over night but I am sure with time it will happen again. Remember to take it one day at a time as that is all we can deal with.

Contact your local police department about bounced checks as it is illegal. 

Call 211 and ask them for any assistance in this matter and by the way what city and state are you living in now??

Good luck

Starshine

angeldreams84
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4383. angeldreams84 posted on Aug 29, 2010

help im getting a little desperate.. i am a part time telemarketer who was taking care and housing for her mother and 2 sisters when mother left husband. then when my lease was up i was begged to move into a house and get a lease with her to help her get herself on her feet. so i used my tax return and put all this money up for the house. we moved in on march 1st. i started giving her the my part of the money to pay the bills. in july i came home one day and she was half packed but no where in site... next thing i knew i was getting a call from the landlords office saying they cant get ahold of my mother and asking me if i knew she had been sending in bounced checks this whole time.. we have a major bill owed to them. about a day or two later i came home and her and my sister were gone.. they went back to her husband who by then had moved to tennesse.. now i have a 4yr son myself so we were stuck in this house that costs more then i make in 2mths and had a hge bill owed on it. a few days after she left i came home to find rge got shut off.. i called them they said we owed 1000 bc it wasnt paid. i didnt have any money so even till this day it is off and i finally got served eviction papers.. my son had to go stay at his dads for a few weeks bc i couldnt have him in the house with no rge. about 2 weeks ago i came home from work and my house had been broken into and all my money i saved up for this apartment i got accepted for was gone so was a few other things as well. i was suppose to be getting my son and moving in on sept first but now i have no money to move in. my ex fiancee pt me in major debt so this place needs first and 2 securities... i have sold everything i cud and re_coperated 600 but i am about 1100 still short... i need major help and suggestions only serious ones please... i cant live my life like this no more...  drive everyday all over gods creation between work and visiting and taking my son places.... i cant go one day without seeing him he is my whole world.. once i find the money he comes back to me and he begs me everyday to get a place... it kills me that he wants me and i cant take him home. please i need some help email me angeldreams84@gmail.com only serious help no spam please this is hard enough

Schmidty
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4382. Schmidty posted on Aug 29, 2010
 in response to cassieG...   

Well, it's slim pickins for this grouping.The first on istells a person that htey can cut their rent by 50%. It's by applying for Section 8 . To apply for these federal programs, contact your local housing authority, your state housing authority. or a community service agency.If you have trouble getting the help you need you can contact http://www.comcon.org/. It's 14.871 Section 8 Rental Voucher program.(www.hud.gov/progdesc/pihindx.cfm ) There is also14.149 Rent Supplements-Rental Housing for Lower Income Families, and, 14.856 Lower Income Housing Assistance Program-Section 8 Moderate Rehabiltation(Section 8 Housing Assistance Payments Program for very Low Income Families-Moderate Rehabilitation) for Public Housing agencies, look at www.hud.gov/progdesc/multindx.cfm .

Free legal help for home buyers and Renters. Realtors, Landlords, Bankers, and others it's illiegal for them to discriminate against you for race, religion, sex, family status ar a handicap.

With free help you could/ Stop paying rent if your toilet doesn't work/ Get the government  to sue your landlord for discriminating against your children/ Break a  lease and not pay a penalty/GET YOUR EVICTION STOPPED/ Force the bank togive you a loan for a new home/ get the landlord to widen the doorways for your wheelchair/get a third party to fight your landlord for you.

To file a complaint or learn more contact your local and state housing office/ your states Attorney general's office, Fair Housing and Equal Housing Opportunity-U.S.Department of Housing and Development/ Nationa Fair Housing Advocate Online, Tennessee Fair Housing or http://www.fairhousing.com/ .

Here's something you didn't know. Half of the states have programs that pay rental assistance for certain populations like elderly, those with mental or physical disabilities, or people who have recently LOST their jobs.( They ain't lost we know where they are)Some programs even have no restrictions on income.They may give you$3,000 to help pay rent, or subsidize yourrent for 2 years, or give you a voucher that can pay part of your rent forever. More info at http://www.nlihc.org/  You could get $400 a month towards rent from your state at the same orginization and web address.

You can always contact HUD at http://www.hud.gov/ for more informationMore web addresses to get info http://www.nahro.org/ .

**********Short term Rent Assistance**************

Arizona---- www.housingaz.com/default.asp

California--- www.dmh.cahwnet.gov

Connecticut--- www.ct.gov/dss/site/default.asp

Delaware---- www.westendnh.org   www.lcsde.org

District of Columbia--- www.community-partnership.org

Florida(for Melborne only)-- www.melbournefl.org/housing , www.coj.net/default.htm

Georgia --- www.dca.state.ga.us

Illinois--- www.dhs.state.il.us

Louisiana--- www.dss.state.la.us/departments/ocs/index.html

Maine--- www.mainehousing.org

Maryland---  www.dhcd.state.md.us

Minnesota --- www.dhs.state.mn.us/main/groups/economic_support/documents/pub/dhs_id_002550.hcsp

Missouri-- www.mhdcd.com

Nevada--- www.dbi.state.nv.us

New Hampshire--- www.dhhs.state.nh.us/DHHS/DHHS_SITE/default.htm

New Jersey--- www.state.nj.us/humanservices

North Carolina --- www.dhhs.state.nc.us

Ohio--- www.odod.state.oh.us

Oregon--- www.hcs.state.or.us

Rhode Island---- www.rihousing.com

Virginia---- www.dhcd.vipnet.org

Washington --- www.cted.wa.gov

 

 **********EMERGENCY RENT MONEY*************

Arizona----- www.housingaz.com/default.asp

California--------- http://housing.ncd.ca.gov

Connecticut---- www.ct.gov/dss/site/default.asp         www.ct.gov.ecd

Delaware--- www.westenddh.org

District of Columbia -- www.community-partnership.org

Georgia--- www.dca.state.ga.us

Illinois--- www.dhs.state.il.us

Iowa--- www.ifahome.com

Maine-- www.mainehousing.org

Michigan--- www.michigan.gov/dhs

Minnesota----------- 651-284-4473; 887-396-6386

Missouri---- www.mhdc.com

Nevada--- www.dbi.state.nv.us

New Hampshire--- www.nhhfa.org

North Dakota--- www.ndhfa.state.nd.us

Rhode Island--- www.rihousing.com

Virginia---- www.dhcd.vipnet.org

Washington--- www.cted.wa.gov

$ 2,700 a Year for Rent-- www.rurdev.usda.gov

Amall
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4381. Amall posted on Aug 29, 2010

I am single mother of two children I need money to help catch up my bills I am currently unemployed.

Lachesis
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4380. Lachesis posted on Aug 29, 2010
 in response to foxy1012006...   

Utility companies do offer a payment plan and in most cases where a child is involved they will work with you.

Otherwise the only other suggestion is to contact the county and see if you qualify for AFDC.

If the situation is bad enough you may lose your kids' over it,I'd think family may step in,but I don't know your situation.

Sorry I couldn't be of more help

hopalong
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4379. hopalong posted on Aug 27, 2010
 in response to messi...   what type of help are you lookin for? and are you playing for a team or looking to get on a team?
I'm-Muslim
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4378. I'm-Muslim posted on Aug 27, 2010
 in response to mimi87...   Be strong, i wish i could help. Pray,pray and pray :). Your story is really touching and i hope and pray that you find help. Good luck. 
cassieG
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4377. cassieG posted on Aug 27, 2010

I am in desperate need of help my electric is about to be shut off..I live on disablity i only get 676.00 a month.My husband has left and has left me pennyless I need to find a place to live that i can afford with my kids....he left me not even a few dollars...please no scams i cant handle that i am only looking for sincere people that would be willing to help even if its only one dollar that would be fine with me im not selfesh anything would help so if you could afford a $1.00 for my cause please contact me at 727-494-2642 or email me at purpleshowerpink@yahoo.com thank you for your time.I also with no car anything that drive would be like christmas for me thank you

Starshine
online
4376. Starshine posted on Aug 27, 2010
 in response to mimi87...   

Hello

I saw ekikaseven's response to you and yes go to get it checked out. 

Here is a place to check for free medical and dental clinics

 http://www.freemedicalcamps.com/

Good luck

ekikaseven
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4375. ekikaseven posted on Aug 27, 2010
 in response to mimi87...   

If you have VD, go to your nearest health dept ASAP.

If you need assistance in finding help, then google the CDC (center for disease control). There should be able to direct you for help.

secarius
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4374. secarius posted on Aug 27, 2010

ex-wife got me kicked out the military in 2006, in 2008 i got a divorce and moved away from my kids, had a job and got an apt, roommate lost job and couldnt pay other half of rent, lost apt and moved in with a friend just in time for child support to hit, got fired from job and moved in with another friend to look for a job with no luck for 3 months. been wanting to move back to my kids and would need money to survive for a few months until a job is found and enough to keep my cell going so jobs could call me. would have moved sooner but had my taxes took away to pay a student loan i received while in the military which was about $6000 they took from me. i have nothing, no girl, no car, no home and i just want to move back to my kids. if anyone can help, please email me at: artemisentreri00@yahoo.com

Schmidty
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4373. Schmidty posted on Aug 26, 2010
 in response to dethomit...   

Have you put your resume's on Monster, Ladders, and I have listings for the job market through out the states that may be beneficial, you can find my listing at http://Schmidty.Aidpage.com.

Good Luck and God Bless

hurtin
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4372. hurtin posted on Aug 26, 2010

Got hurt on the job workmans comp denied benefits,know i dont know what me and my family are going to do!

foxy1012006
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4371. foxy1012006 posted on Aug 26, 2010

i need help with paying my electric i have a 2 yr old boy who is turning three next month and a 2 month old daughter,im behid on my electric and rent can someone help me i dont want to lose  my kids

utumn
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4370. utumn posted on Aug 26, 2010

I am behind on rent and dont know were to look. I have a child that is 6 nd a car that loves to break down. I work 45 minutes from home and it is getting hard for me to get my rent caught up. If you know something please o please let me know

dethomit
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4369. dethomit posted on Aug 26, 2010

So, I am not absolutely certain if anyone reads this, but I desperately need to find a way to make some extra cash.  I am only able to work around 15-20 hours a week and am in serious debt, close to $50,000 all said and done.  Anybody know of any way I can quickly (and legally) make some quick cash?  Or is anyone in the Moberly, MO area need a very competent and learned computer technician for any work.  I can build a computer from parts and am usually able to fix broken ones depending on the issue.  I need some extra work badly, or I might lose my apartment.  Any advice would be helpful, I have sent my resume out so many times I have lost count.


messi
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4368. messi posted on Aug 26, 2010

i am a footballer who want some one to help me and aslo to manage me

mimi87
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4367. mimi87 posted on Aug 26, 2010

Welp, just overdrafted my account by $500, new total- $719, to keep the family car from being reposessed. Oh, and a $900 rent is due on the first.

 

I have $80k worth of student loans and credit card debit

I have no real job to speak of, besides a 5hr per wk minimum wage job and a $160 per wk part time gig. The part-time gig is hell on earth some days. But guess what! The only new job that I've been able to find is also at that company! Ha! Moving up the ranks in hell???

I'm living w/ my mom, so we're in the same boat. 

I don't talk to my dad, for ever since he cheated on my mom, got a drastically lower child support payment on me b/c he knew the judge, had to basically be forced to co-sign a loan for college that he should be paying for and that I haven't been able to pay on said loan.... yeah, I forget I have a dad most of the time. 

 My uncle, who was (is???) an alcholic/ drug addict decided that when he was relesed from the state penatentary that he wanted to be close to his sister, my mom, a few weeks ago, and came to our city to live. Ah, we put him in a hotel for two weeks at a discount rate, feed, clothe, helped him on job searchs ...etc. He throws a hissy fit (proably alc or drug induced) while she's taking him to fill out job applications and screams at my mom. He leaves HURTFUL messages on her voicemail with the phone SHE gave him, on our family plan. Then he runs off in the night to live with his son and 3 grandchildren 2 hours away. WHY DIDN'T HE JUST GO THERE IN THE FIRST PLACE?!?! 

 I have no friends near me, b/c all the high school ones have babies, are crazy, or just not who I want to be around. The college ones live far away in the same state I went to college in. 

 I'm pretty sure I have a VD, but can't go to a gyno, b/c HEY I don't have insurance nor any money. 

 The ONLY good thing in my life is God, my suffering mom, and the occasional laugh I get from surfing the internet.

 

Please pray for me.  I'm pretty sure the devil has me on his suicide watch, but I won't let him win. 

Lora76
offline
4366. Lora76 posted on Aug 25, 2010

If you dont mind me asking, what state do you live in?  I am going through the same thing with my senior daughter. I thought only the state I live in makes us parents pay book rentals...maybe I was wrong.

riker3
offline
4365. riker3 posted on Aug 25, 2010

My family recently moved so we could find a job, and now we are in worse shape than we were before.  I have two children, no job and my power will be shut off tomorrow. I have asked God for some strength, just so I can get through this.  I am also taking care of my sister's child and my brother's child. Now I have four children, and no hope of keeping my power on. I have talked to power company and they are no help. I just need two days, and I will have the money, but power company does not care.  I believe with all my heart that God will give me those two days.  I need everybody to pray for my family.  Thank you

emilyjo
offline
4364. emilyjo posted on Aug 25, 2010
 in response to Mother doing her best...   

I am a mother of 4 wonderful kids.  They are also excellent musicians!  We need help with instrument costs and repairs, lessons, recording fees, and other miscellaneous expenses.  I want to give them the best opportunities, but it's hard for me to make ends meet.  Thank you for reading this!

wildflower19692003@yahoo.com

bullgator1
offline
4363. bullgator1 posted on Aug 25, 2010

HELP

 

I HAVE BEEN UNEMLOYED SINCE OCTOBER 2009, I WORKERD IN A HOSTILE WORK ENVIRONMENT AT BAY HILL PARTNERS IN WINTER PARK, FL.

THE COMPANY PRANKSTER PULLED PRANKS ON ME LIKE TASING ME IN THE BACK OR TAKING A PICTURE OF ME ON THE TOILET, I HAVE BEEN WAITING FOR THE EEOC TO INVESTIGATE, SO I CAN GET A RIGHT TO SUE LETTER AND THEN FIND AN ATTORNEY.

I WAS EVICTED FROM MY APT IN MAY AND LIVING IN MY ROOMMATES HOUSE IN TAMPA SINCE MAY 1ST, AND I AM HAVING PROBLEMS WITH BACK PAIN AND STRESS DUD TO BEING UNEMPLOYED, ON THE 30TH OF AUGUST PLURIS WILL TURN OFF MY WATER AND ELECTRIC WILL BE CUT SOON AND MY MEANS OF LOOKING FOR A JOB WILL BE TURNED OFF (PHONE AND INTERNET).

HOW CAN I GET HELP, PAY MY BILLS AND FIND AN ATTORNEY TO SUE BAY HILL PARTNERS/THE RITMAN AGENCY (THEY HAD TO CHANGE THEIR NAME BECAUSE OF A BAD REPUTATION. THEY ARE A RIPPOFF COMPANY THAT SELLS BOGUS STOCK TO BROKERS AND WHEN THEY ARE OUT OF THEIR POSITON THEY DO ANOTHER REVERSE MERGER INTO ANOTHER COMPAN Y AND REPEAT THE SAME RIPPOFF BUSINESS MODEL).

THE MANAGER KNEW WHAT WAS GOING ON AND DID NOT FIRE THE PRANKSTER AFTER HE PULLED HIS PRANKS; FROM TASING ME IN THE BACK, DRAWING SEXUALLY EXPLICIT PICTURE OF ME, WHEN I WAS STANDING THIS PUNK TOOK MY CHAIR AND HID IT WHEN I WENT TO SIT NO CHAIR AND I GRABBED MY DESK TO STOP FROM FALLING AND LANDING ON MY BACK, WHICHG I DID BUT LESSENED THE IMPACT ON MY LOWER BACK, AND NOW I HAVE A WORKMEN'S COMP CASE GOING ON.

HOW CAN PEOPLE GET AWAY WITH THESE ACTIONS..

DENNIS CARLE

bullgator1@live.com

cookie16
offline
4362. cookie16 posted on Aug 25, 2010

Hi im a single mother of 5 children all small im disabled and cant afford to pay my bills my light ot shutt of and im broke my rent is to high cant afford. why cant single moms get help from anybody my children are sufurring because there is no light and i have asthma i have a machine that goes pluged in and the light company didnt care

toni16
offline
4361. toni16 posted on Aug 25, 2010

i am in need of help with a credit card debit of $2,000.00.please if some kind person can help me so i do not have to go to court or jail my e-mail antoinettjones@ att.net. or p.o. box 120094 arlington texas 76012 thank you so much for  the help

Bonitamujer
offline
4360. Bonitamujer posted on Aug 24, 2010

I am praying for you to get your wish...

sweet bee
offline
4359. sweet bee posted on Aug 24, 2010
i got to have survey on the 31 of the month i have no money to do this its a live or death some one help me plz. i have two kids and i dont want to leave here not right how.if i dont get the help i will understand you dont have to give the money to me give it to my doctor.
Desperate Mother2
offline
4358. Desperate Mother2 posted on Aug 24, 2010

I've been out of work for the last 3 months and I owe my daughters High school $1,900.00 in back tuition and now she wont be able to attend College this Fall because her High School will not provide her Transcript/Diploma until this dept has been paid. Can anyone help me?

N_NEED3
offline
4357. N_NEED3 posted on Aug 24, 2010

JUSY PRAY ABOUT IT,GOD WILL MAKE AWAY,OK

mbest813
offline
4356. mbest813 posted on Aug 24, 2010
 in response to Garyman...   thank you for the message im going to go look at the website more . god bleess.
Whatodo
offline
4355. Whatodo posted on Aug 22, 2010

              I Need Of Money &  Help wt Paying Bills!!

 I Am A Single Parent Of 6 & 5 Grandkids I Got Caught Up In The Economy On Sept.2008 I Search For Work Walking Up & Down No Luck I Then Left Dallas,Texas For A Yr.I Went Back Home Where I Was Born & Raised & No JOB No Matter How I Apply For & Nuthing I Then Came Back To Dallas,Texas And I Apply For Work And Still No JOB Am Like What The Heck I Need A JOB I Need Money For My Bills I Need A Car To Give ME Transportation I Need A Place To Live I Been Stay'n Here & There My Son Took Me In & Now He's Get'n Put Out Because Of Guest I Don't Understand Why Something About Guest Stay'n Wt Him I Feel So Bad Now I Don't Understand Why The Marquise Apt. Has To Put Him Out Now I Have To Find Me A Place To Live But It Seem Like I Be Sleeping Under The Bridge It B Good If Obama Could Sign A Check For All The Single Mom 10,000.00 Dollor's To Help Get Us Back On Our Feet Thats Even To Pay For Bill's & Apt Or House & Transportation Toget Us Single Mom Get Back On Our Foot That Would Be Nice He Can Start Wt Me ASAP Cause I Really The HELP !

Starshine
online
4354. Starshine posted on Aug 22, 2010
 in response to swmfloridasc...   It works for me now thank you !
swmfloridasc
offline
4353. swmfloridasc posted on Aug 22, 2010
 in response to Starshine...   

Thank you for the message, I deleted the posting and then re typed it, it did not work for me before either but it does now. If the link still does not work for you then try typing the web site into your top screen and get to it that way. It should pop right up since there are no pictures, no ads and no graphics and it is black type on 3 white pages so it uploads quickly, Mike Marki

www.freepeoplehelpingpeople.com 

swmfloridasc
offline
4352. swmfloridasc posted on Aug 22, 2010

There is help available and there are some things in life which are free since they are paid for by donations and tax dollars. Free medical supplies, free food, free prescriptions, free insurance, free dental coverage, low rent and free housing and more. Go to:    

www.freepeoplehelpingpeople.com

If this link does not work for you, type the web site in your top screen and it should take you there that way. 

 

Starshine
online
4351. Starshine posted on Aug 22, 2010
 in response to swmfloridasc...   

link doesn't work

 

Mother doing her best
offline
4350. Mother doing her best posted on Aug 22, 2010

Mother of 2 and trying to keep my head above water. Any cash donation would be great help. I do have a job but could really use the extra help.

eaddy 31
offline
4349. eaddy 31 posted on Aug 22, 2010

hi my name is marie i am hard of hearing and ineed money to get food and pay my bill  and i have 2 kid,s but they do not live with me but i need alot of hing fo my self and my kid,s   si i  need helpthank u ans i an an singel mother

Renie
offline
4348. Renie posted on Aug 22, 2010

I am so sorry to hear about your mom, that breaks my heart. Unfortunately I have no money and am using food pantry to survive myself with my fourteen year old daughter. I have child support and I am out of work myself but I am going to school via grants and loans. I urge you to go to your local community college, or better yet four year college (find out about residence at the school too, and work study) and speak with financial aid representative, if you do not get enough of a result write a letter to head of the financial aid department and plead your case. Keep your grades up and you qualify for more. I made the Deans List at 48! So I qualified for additional grant from the school. I wish you the best.

Love to you! 

angel in the sky.
offline
4347. angel in the sky. posted on Aug 22, 2010

hi,i have a fridge,but i need to know where riverside is,

Garyman
offline
4346. Garyman posted on Aug 22, 2010
 in response to mbest813...   

Really sorry about your mom and all, I lost my dad in 1995 and I miss him so very much.

I do know that you can get a pell grant, Like $4500.00

It does not have to be paid back.

http://www2.ed.gov/programs/fpg/eligibility.html

 

God Bless.

 

Starshine
online
4345. Starshine posted on Aug 21, 2010
 in response to cant take nomore...   You are welcome
Starshine
online
4344. Starshine posted on Aug 21, 2010
 in response to cant take nomore...   

It has health and social care not only homeless information

Here is part of it

Services for Adults

Adult and Community Services support people by providing help in their own home, short breaks to spend time with a family or individual, provide special equipment to those people who are unable to manage unless their home is adapted, provide training and equipment to the disabled, offer a day service to those who may not be able to get out of their home, and advice on understanding and claiming benefits.

If you think you might need help from Adult and Community Services Adult Social Care, you or the person who is looking after you can contact us by phone, write or call in to the appropriate office.

For general information about social care services Adult and Community Service provide please see our detailed fact sheet: What do Adult and Community Services - Adult Social Care do? Services for Adults

Adult and Community Services support people by providing help in their own home, short breaks to spend time with a family or individual, provide special equipment to those people who are unable to manage unless their home is adapted, provide training and equipment to the disabled, offer a day service to those who may not be able to get out of their home, and advice on understanding and claiming benefits.

If you think you might need help from Adult and Community Services Adult Social Care, you or the person who is looking after you can contact us by phone, write or call in to the appropriate office.

For general information about social care services Adult and Community Service provide please see our detailed fact sheet: What do Adult and Community Services - Adult Social Care do? 

and it has mental health that might help you..

Just check out the link I gave you and read 

 

cant take nomore
offline
4343. cant take nomore posted on Aug 21, 2010
cant take nomore
offline
4342. cant take nomore posted on Aug 21, 2010
 in response to Starshine...   why do you suggest that?
Starshine
online
4341. Starshine posted on Aug 21, 2010
 in response to cant take nomore...   

CLICK HERE

It is about homeless and many other services. Check it out to see what you can find

Good luck

get with other mom's for support

Starshine

Starshine
online
4340. Starshine posted on Aug 21, 2010
 in response to cant take nomore...   Are you working? Do they have assistance programs there , mental health clinics?
cant take nomore
offline
4339. cant take nomore posted on Aug 21, 2010
 in response to Starshine...   iam in oldham in england
Starshine
online
4338. Starshine posted on Aug 21, 2010
 in response to cant take nomore...   

Hello

What city and state are you in?? Have you tried calling 211 to see what resources there are for you??

cant take nomore
offline
4337. cant take nomore posted on Aug 21, 2010
 in response to Depressed In MD...   hi,iam exactly in the same boat as you,i often think about ending life but i have got 2 gorgeous daughters iam unable to do this, i have tried getting a loan from hundreds of companies but all declined,iam very very very depressed and sad, there is no1 out there for help.god bless u i will pray for you.
eddy411
offline
4336. eddy411 posted on Aug 21, 2010

Hello,

I don't know what to start but I was curious if there is angel out there to find a heart to help me out just a little? I am a full time hard working man and have never asked anyone for help financially until now.

Recently, my car just broke down and I don't have the money to fix it. They say it is best to buy another car because the engine need to be replaced. I have four children, one who is attending college right now as well. My wife has been unemployed for over two years and it is hard to find just a simple cashier job. All my income goes to paying the bills and barely made it through the month. 

Now that I have no car to commute to work, I rely on friend and family for help until I saved enough to buy a used car. My children are going to school this week and they will have to either walk or take the bus but with my tight budget, I can't even afford the fare. I am stressing out and worrying that I may not be able to raise my children the way a blue collar worker should. I don't want to end up living in the street just to make end's meet. 

Would it be a God out there who is willing to lend me 3500 so that I can find a used car so we have a car to commute to work and take the kids to school? I don't asked much but just to see if there is ONE kind person out there who is not having financially difficulty helping me out for now? If you can help me out, I am willing to travel to your city to clean or do anything to earn that money. I have never steal, do drug, or drink and I believe that there is one God out there who will find to decency to look after me and my family.

Thank you,

 

Eddy

 

sleeplessnight
offline
4335. sleeplessnight posted on Aug 21, 2010

I don't know what this page is or if it can really help me. I couldn't sleep tonight and in a moment of frustration I googled " I need money" and this page came up. I'm not sure if I belong here. I am not widowed, or divorced. No one has died. I have 5 beautiful children and I live in a nice home. I am married to a wonderful man who has worked very hard for years to provide for me and our children. He is a residential contractor that has worked for years on referrals. He is very talented. In the past few years he has suffered from a herniated disc that needs surgery. We can't afford it of course, but he still worked while taking pain medication. In recent months, work has dried up. He is not working now except for odd jobs, selling tools and stuff and taking loans from different people to pay our bills. I have knots in my stomach worrying about him, about his health, about his stress levels, about what we are going to do. I have complete trust in God that this will work out. I don't know what to do. I don't talk to my friends about this because my husband has pride. I was wishing we could start a business or buy property and rent it out for income (since he is a handyman). May God help me. I am afraid. 

mbest813
offline
4334. mbest813 posted on Aug 20, 2010
 in response to getfreedental...   thank you , i have been looking on line but i cant really find anything . i dont have a financial offer that i know off, i dont really have too much suppor these days , and i try so hard to get jobs but most places wont hire unless you 18 or older. but thank you very much .
getfreedental
offline
4333. getfreedental posted on Aug 20, 2010
 in response to mbest813...   

Hi mbest813,

I am sorry to hear about your mother - it is tough when someone so close passes.  Have you considered pell grants?  If not, do so.  In addition, you may qualify for countless types of educational grants (free money).  Search the net and chat with a financial office at a local university.  I suspect you will be pleasently surprised.

Take care and God Bless!

Starshine
online
4332. Starshine posted on Aug 20, 2010
 in response to Depressed In MD...   

Hello

Do you need any food banks to help you out with food? Or free medical and dental clinics in your area. It is rough and I was going to take out a loan but my dr. told me about it so 86 that idea..

Here are work from home sites

CLICK HERE

http://www.freemedicalcamps.com/vcity.php?stateid=MD

See if there is one close to you that you can use for free medical and free dental clinics

Take care 

Starshine

Depressed In MD
offline
4331. Depressed In MD posted on Aug 20, 2010

I think a lot of us are in this boat.  Divorce has made me and my kids suffer terribly.  I make a little, very little, too much to qualify for public assistance, but not enough to pay my bills.  I am emotionally exhausted and cry a lot.  Be careful because I have been offered a lot of scam money.  Pray!  thats all we can do because NOTHING is free.

Starshine
online
4330. Starshine posted on Aug 20, 2010
 in response to gypsy r...   

Hello

Many of us are in the same boat and I am sorry things are hard for you and many even us for are here helping out..

CLICK HERE

For a little help for the rent etc some ideas and then 

 http://pikespeakpetpantry.org/pb/wp_fdw325vh.html

to locate free pet food bank

and try your local freecycle.org and craigslist.org for clothes for your son. How old is your son?? Even wishuponahero is good to place to ask for clothes. 

I have a friend who had a friend that gave him and his girlfriend money to keep them afloat for a while. Now wouldn't that be nice. He has not worked in two weeks and it is sporatic when he does..

See if you can't get help from your local JewishFamilyServices

CLICK HERE

FOR  free medical and dental clinics - see if there is one near you and write your reps they need to hear this I am going to google mine up now

Good luck

Starshine

gypsy r
offline
4329. gypsy r posted on Aug 20, 2010

I cry evey night. My husband his sick The bills are piling up. My son needs clothes, some nights we go to bed hunery. I have to pets that are good and loveing. Sometime they have to do with out. I work in fast food so that tells you how much money come in the house. We just looking for a little help. We borrow and that puts more in the hole.Now doc. bills are getting us. And the light bill weent up. We do not have any fancy stuff no cell phones no cable the only thing we have is a beat up van, that is pay for.We owe 200.00 on the house and we own that. We can not even pay that off.We not asking for much help just enought to get thought the hard time (about 3,000 to 5,000) will get us on our feet. So If there any one who can help please do.PLEASE PLEASE PLEASE

mbest813
offline
4328. mbest813 posted on Aug 20, 2010

Im 17 years old and have been living on my own since my mother died of cancer in 2005. i have no money to support my self, im living with a bestfriend she took me in . if anyone cdan help me get money to go to college & get my life back together that will be great. i have no parent and it suck ): i miss my mom more then anything.

sinfullude
offline
4327. sinfullude posted on Aug 19, 2010

MY NAME IS DIANA RANGEL N I NEED MONEY HELP ME sinfullude@aim.com

kezjosh
offline
4326. kezjosh posted on Aug 19, 2010

I am a widow at the age of 36years, i am raising two children and still paying debts from deceased husband,trying to pay off my house and my car while working full time on a low income.  I can't get a head and there a redays i go without food to make sure my children eat.  I have to travel an hour to and from work everyday just to pay some bills.

How can i get on top of my bills?

 

Schmidty
offline
4325. Schmidty posted on Aug 19, 2010
 in response to desperate/scared...   Http://Schmidty.aidpage.com please take a look, there is information there that will help you and you can always call 211 for help also.Good Luck and God Bless.
Schmidty
offline
4324. Schmidty posted on Aug 19, 2010
 in response to lil-lisa...   Sounds as if you need free legal advice also . Get the information here http://Schmidt.Aidpage.com .Hope this helps,Good Luck and God Bless
Schmidty
offline
4323. Schmidty posted on Aug 19, 2010
 in response to fatal132...   

I have listings for free legal help and I think you could use a couple of them Good Luck and God Bless.

As far as you Utilities being shut off contact the commission , in the blue pages of your phone book, and see if they can't help you, then you always have your congressional people you can contact.

Schmidty
offline
A.M.
offline
4321. A.M. posted on Aug 19, 2010

just unemployed and parents want me out need money for apartment at least 3 months worth of rent

diane21
offline
4320. diane21 posted on Aug 18, 2010

you are in the same boat that i am in but you know something i can not get no kind of help with this and you know what i am talking about and you real know what you are talking about and when you need the money it allways got to have a catch to it and i dont have no money at all can you help me with my promble and i do have a big promblem with my bill can you help me with this and i think you can help me with this and i loss my job ask well to and you know that it is hard to find a job in columbus and i am so mad with that company and they just play me ask well to

Starshine
online
4319. Starshine posted on Aug 18, 2010
 in response to apple43...   

You are welcome and I hope you can get some help from the links I gave you..Take care as I know this is a hard time for you losing your mother..Sincerely

Starshine

apple43
offline
4318. apple43 posted on Aug 18, 2010
 in response to Starshine...   thank you my son just turn two in july. 
IRMA
offline
4317. IRMA posted on Aug 18, 2010

I AM UNEMPLOYED AND I NEED HELP!!!!MY DWP BILL IS $900.00 AND HEAP HELPED ME EARLIER THIS YEAR SO I CAN'T CALL ON THEM IS THEIR ANY OTHER AGENCIES OUT THERE THAT IS WILLING TO HELP ME I NEED MY ELECTRICITY I HAVE TWO YOUNG CHILDREN. 

Schmidty
offline
4316. Schmidty posted on Aug 18, 2010
 in response to cindyklou...   Check out http://Schmidty.Aipage.com ,I have listings for scholarships that may help you.
Schmidty
offline
4315. Schmidty posted on Aug 18, 2010
 in response to maisonanthony...   Call 211 and see what they can do for you , then check out http://Schmidty.Aidpage.com for more information.
syl
offline
4314. syl posted on Aug 18, 2010

I am an undergraduate waiting to write my final examination but facing problem of paying my final year tution fee and other payment.Can someone please help me out because my inability to pay this over a specific time will jeopardise my ambition in life.

cindyklou
offline
4313. cindyklou posted on Aug 17, 2010

I am an unemployed single mother of adult children and have enrolled in school and need money for tuition and money for living expenses.  The school's tuition is $14,500 and I have approved for a Pell Grant for $2,800 or less.  Help!

maisonanthony
offline
4312. maisonanthony posted on Aug 17, 2010
i really need some help  i am 36 weeks pregnant i have no food or gas and electrict what so ever i am reakky in need of some emergency money can anyone help me please ???
Starshine
online
4311. Starshine posted on Aug 16, 2010
 in response to apple43...   

Hello

I am very sorry you lost your mother. I know that is hard and especially when you are young. Do you have any other relatives or siblings?

Call 211 and ask about temporary cash assistance to see if you can get that and also WIC depending on the age of your child.Ask 211 about day care too.

CLICK HERE

For a list of food banks in your city. Some have clothes banks and about work maybe some work from home jobs you could do till you can afford day care

CLICK HERE

FOR work from home jobs and another source of job snagajob.com is there. 

How old is your child??

Good luck and if you need anything else just leave a note in this section.

Starshine

apple43
offline
4310. apple43 posted on Aug 16, 2010

i'm a single mother of one and just got out of school my mother pass a way when i was in school like a couple month before i got out so the money i was gettin i had to pay rent and i only got 711 a month enough to get my baby stuff and some clothes so i have no job no money for childcare or college

Starshine
online
4309. Starshine posted on Aug 16, 2010
 in response to qwertyuiop...   

Hello

I hope your kidney transplant went well. Here is a link for financial help for kidney failure. 

CLICK HERE TO VIEW the website

Financial Help for Treatment of Kidney Failure

On this page:

    * Medicare
    * Private Insurance
    * State Disability and Employment Programs
    * Medicaid
    * State Children’s Health Insurance Program (SCHIP)
    * U.S. Department of Veterans Affairs (VA) Benefits
    * Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI)
    * Patient Assistance Programs (PAPs) from Prescription Drug Companies
    * Additional PAPs
    * Additional Reading
    * Points to Remember
    * Hope through Research
    * For More Information
    * Acknowledgments

Before the development of dialysis and transplantation in the 1950s and 60s, having permanent kidney failure, also called end-stage renal disease (ESRD), was a death sentence. While life-saving, these treatment methods are expensive, and few people can afford them without assistance.

In 1972, Congress passed legislation making people of any age with permanent kidney failure eligible for Medicare, a program that helps people age 65 or older and people with disabilities pay for medical care, usually up to 80 percent. The remaining 20 percent can still pose a significant financial burden on patients. Fortunately, other public and private resources can help. Anyone with permanent kidney failure who does not have adequate insurance coverage should seek the help of a certified or licensed social worker. Every dialysis and transplant center has a social worker who can help people with kidney failure locate and apply for financial assistance. Social workers who specialize in helping kidney patients are called nephrology social workers.

Patients can also enlist the assistance of the State Health Insurance Assistance Program (SHIP). The SHIP is a national program that provides free counseling and assistance to Medicare beneficiaries on a wide range of Medicare and supplemental insurance matters. Patients can find a state program by visiting www.shipusa.org.

[Top]
Medicare

To qualify for Medicare on the basis of kidney failure, a person must

square require regular dialysis

or

square have had a Medicare-covered kidney transplant

and must

square have paid into Social Security through an employer—or be the child or spouse of someone who has

or

square have worked under the Railroad Retirement Board, or as a government employee—or be the child or spouse of someone who has

or

square already be receiving Social Security, Railroad Retirement, or Office of Personnel Management benefits.

The Original Medicare Plan has two parts: Part A is hospital insurance, and Part B is medical insurance. Part B covers most outpatient services, including kidney dialysis, doctors’ services, outpatient hospital services, and many other health services and supplies. While Part A has no premiums, most Part B services require premiums, deductibles, and coinsurance.

Some people who are not eligible for Medicare because they have not worked at a job that pays into Social Security may still be eligible to buy Medicare coverage by paying premiums for Part A.

Starting in the late 1990s, Medicare gave recipients the option to choose a plan managed by a private insurance company that functions like a health maintenance organization (HMO) or a preferred provider organization (PPO). These plans are called Medicare Advantage, or Part C, plans. In most areas of the United States, Medicare recipients with kidney failure are not eligible for the Medicare Advantage option, unless they participated in Medicare Advantage prior to kidney failure. However, a few programs, called Medicare Special Needs plans, offer coverage designed specifically for people with kidney failure. Patients should contact Medicare at 1–800–MEDICARE (1–800–633–4227) to learn about possible programs in their area.

In 2006, Medicare added Part D, prescription drug coverage. People with permanent kidney failure are eligible but not required to enroll in Part D. When enrolling in Part D, a person chooses from a list of available plans in that person’s region. People who have employer group health plans that include prescription coverage should ask their employer whether enrolling in Part D will have any negative impact on their medical coverage. Some private plans will drop anyone who elects a Part D plan. A patient’s existing prescription coverage with an employer group plan may be as good as or better than a Part D plan. Employers and unions that provide prescription drug coverage must notify Medicare enrollees each year about how their current coverage compares to Medicare’s basic prescription drug coverage. This information may come in a letter, in a notice from the group plan, or in a benefits handbook. People should use this information to help in deciding whether to join a Medicare drug plan. Beneficiaries should note that a penalty may apply if they don’t join a Part D plan when they are first eligible, don’t otherwise have prescription drug coverage, and then later decide to join a Medicare program. The amount of the penalty will depend on how long the beneficiary went without prescription drug coverage before joining a Part D plan.

A person may apply for Medicare when starting dialysis treatments. Medicare benefits then begin the third month after regular dialysis treatments begin. For example, if regular dialysis treatments begin in July, Medicare coverage would start on October 1. Coverage can begin earlier if a person takes self-care dialysis training for home hemodialysis or peritoneal dialysis before the third month or has a transplant within the first 3 months.

For a person covered by a group health plan, Medicare is a secondary payer during a 30-month coordination period. The group health plan pays at its regular level for this period. Since Medicare is usually not available in the first 3 months, the group health plan is the only payer for health services. In the fourth month, Medicare begins to cover only that portion of health services that is not covered by the group health plan. Medicare then becomes the primary payer for health insurance claims at the end of the 30-month period.

A person may wish to wait to enroll in Parts A and B until the end of the 30-month coordination period if the group health plan will pay for all health care expenses. In doing so, the person will avoid paying the Part B premium.

Enrolling in Parts A and B could help pay a yearly deductible or coinsurance payment required by some group health plans.

A person can enroll in Medicare at a local Social Security office listed in the blue pages in the phone directory. The nationwide toll-free number for Social Security is 1–800–772–1213, and that number can be used to schedule an appointment at a local office. More information about local Social Security offices is also available online at www.ssa.gov. Often, the social worker at a hospital or dialysis center can guide applicants through the enrollment process.

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Private Insurance

Private insurance frequently pays for the entire cost of treatment. Or it may pay for the 20 percent Medicare doesn’t cover. Private insurance may also pay for prescription drugs. People with kidney failure should read their private health insurance policy carefully to make sure it covers kidney failure treatment. They should talk with their insurance agent or company benefits counselor if they have any questions about their benefits. People who do not have private insurance can work with a social worker, nurse, or doctor to locate and apply for other sources of financial aid. SHIPs may also be a good resource.

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State Disability and Employment Programs

Many state social services agencies will help with medical expenses. For people with kidney failure who want to work, many states have specific vocational rehabilitation programs to help people with disabilities train for and find a job. Local or regional offices of state government agencies are listed in the blue pages of the phone directory. Additionally, the New Freedom Initiative’s online resource for people with disabilities at www.disabilityinfo.gov has a search tool to locate state and local resources. A social worker at a hospital or dialysis center can also guide patients to community resources for vocational rehabilitation.

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Medicaid

Medicaid is a joint federal and state program that is primarily income based. The guidelines for the program vary by state. For people to receive Medicaid funds, the value of their assets and annual income must be below a certain level. Medicaid may pay for dialysis or transplantation if a person is not eligible for Medicare. In some states, Medicaid pays the 20 percent that Medicare doesn’t cover. It may also pay for some medicines. Applications for Medicaid can be obtained by contacting a local human services or social services department. A nephrology social worker can provide guidance on how to apply.

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State Children’s Health Insurance Program (SCHIP)

The U.S. Department of Health and Human Services has established the SCHIP to help children without health insurance. SCHIP provides health coverage for children whose families earn too much to qualify for Medicaid but too little to afford private health insurance. Consumers can obtain information about the program by calling 1–877–KIDS–NOW (1–877–543–7669) or by checking www.insurekidsnow.gov.

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U.S. Department of Veterans Affairs (VA) Benefits

The VA can help pay for treatment or provide other benefits for veterans. Veterans should contact their local VA office for more information or call 1–800–827–1000 to reach the national office. The number for health care benefits at the VA is 1–877–222–8387. People who are retired from the military may also call the U.S. Department of Defense at 1–800–538–9552.

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Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI)

These benefits from the Social Security Administration (SSA) help with the costs of daily living. To receive SSDI, a person must be unable to work and have earned the required number of work credits.

SSI is available to disabled children and adults with limited income and resources. People who get SSI usually qualify for food stamps and Medicaid, too. Eligibility for SSDI and SSI is determined by the SSA office. Applications can be completed by contacting Social Security at 1–800–772–1213 or by visiting a local Social Security office. More information about SSDI and SSI is available online at www.ssa.gov.

People who qualify for SSI may also be eligible for the Ticket to Work and Self-Sufficiency program. The SSA sponsors this program to help people with disabilities, including permanent kidney failure, to train for and find a job they can perform. Participants in the program receive a voucher that can be used to receive training or placement services at a state or federal employment agency. More information is available at www.yourtickettowork.com.

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Patient Assistance Programs (PAPs) from Prescription Drug Companies

Medicare Part B pays for erythropoietin to treat anemia in kidney failure and for immunosuppressants to prevent rejection of a transplanted kidney. But Part B only covers 80 percent of immunosuppressant medicine costs, which can be $2,000 a month. That means that a person who does not have additional prescription coverage will still owe $400 a month for these medicines. And other self-administered drugs may not be covered by Medicare. Also, patients should note that Medicare eligibility typically ends 36 months after a kidney transplant is received unless the patient is otherwise eligible for Medicare.

People who have trouble paying for all the medications their doctor prescribes may qualify for assistance from private programs. Most drug manufacturers have PAPs that give discounts to people who can show they can’t afford the cost of their prescribed medications. Nephrology social workers are well versed in assisting patients with the completion of these applications.

The Partnership for Prescription Assistance provides a website that directs patients, caregivers, and doctors to more than 275 public and private PAPs, including more than 150 programs offered by pharmaceutical companies. The website features an application wizard that helps a person determine which programs might be available. The web address is www.pparx.org. Medicare has also compiled information to help beneficiaries pay pharmaceutical expenses. Visit www.medicare.gov/bridging-the-gap.asp for more information or read Bridging the Coverage Gap at www.medicare.gov/publications.

NeedyMeds is a 501(c)(3) nonprofit organization that helps people find appropriate PAPs. The NeedyMeds website provides a directory of PAPs that can be searched by a drug’s brand or generic name or by a program or company name. Applications for these programs are usually available online. The web address is www.NeedyMeds.org.

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Additional PAPs

The United Network for Organ Sharing (UNOS) offers a website called Transplant Living, which includes a section about financing a transplant. The web address is www.transplantliving.org/beforethetransplant/finance/finance.aspx. For more information about UNOS, see the National Institute of Diabetes and Digestive and Kidney Diseases (NIDDK) booklet Treatment Methods for Kidney Failure: Kidney Transplantation.

[Top]
Additional Reading

The following publication offers more information about financial assistance for kidney failure treatments:

Medicare Coverage of Kidney Dialysis and Kidney Transplant Services
Publication Number CMS–10128
U.S. Department of Health and Human Services
Centers for Medicare & Medicaid Services
7500 Security Boulevard
Baltimore, MD 21244–1850
Phone: 1–800–MEDICARE (1–800–633–4227)
Internet: www.medicare.gov

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Points to Remember

    * In 1972, Congress passed legislation making people of any age with permanent kidney failure eligible for Medicare.
    * People with kidney failure should read their private health insurance policy carefully to make sure it covers kidney failure treatment. They should talk with their insurance agent or company benefits counselor if they have any questions about their benefits.
    * Anyone with permanent kidney failure who does not have adequate insurance coverage should seek the help of a certified or licensed social worker or a State Health Insurance Assistance Program (SHIP).

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Hope through Research

The NIDDK’s Division of Kidney, Urologic, and Hematologic Diseases supports several programs and studies devoted to improving treatment for people with progressive kidney disease and permanent kidney failure, including people on hemodialysis.

    *

      The End-Stage Renal Disease Program promotes research to reduce medical problems from bone, blood, nervous system, metabolic, gastrointestinal, cardiovascular, and endocrine abnormalities in kidney failure and to improve the effectiveness of dialysis and transplantation. The research focuses on reusing hemodialysis membranes and using alternative dialyzer sterilization methods; devising more efficient, biocompatible membranes; refining high-flux hemodialysis; and developing criteria for dialysis adequacy. The program also seeks to increase kidney graft and patient survival and to maximize quality of life.
    *

      The U.S. Renal Data System (USRDS) collects, analyzes, and distributes information about kidney failure in the United States. The USRDS is funded directly by the NIDDK in conjunction with the Centers for Medicare & Medicaid Services. The USRDS publishes an Annual Data Report, which characterizes the total population of people with kidney failure; reports on incidence, prevalence, mortality rates, and trends over time; and develops data on the effects of various treatment modalities. The report, available at www.usrds.org, also helps identify problems and opportunities for more focused special research on kidney issues.

Participants in clinical trials can play a more active role in their own health care, gain access to new research treatments before they are widely available, and help others by contributing to medical research. For information about current studies, visit www.ClinicalTrials.gov.

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For More Information

Council of Nephrology Social Workers of the National Kidney Foundation
30 East 33rd Street
New York, NY 10016–5337
Phone: 1–800–622–9010 x130
Fax: 212–689–9261
Email: maritzao@kidney.org
Internet: www.kidney.org/professionals/CNSW

American Association of Kidney Patients
3505 East Frontage Road, Suite 315
Tampa, FL 33607
Phone: 1–800–749–2257
Fax: 813–636–8122
Email: info@aakp.org
Internet: www.aakp.org

American Kidney Fund
6110 Executive Boulevard, Suite 1010
Rockville, MD 20852
Phone: 1–800–638–8299 or 301–881–3052
Fax: 301–881–0898
Email: helpline@akfinc.org
Internet: www.kidneyfund.org

Life Options Rehabilitation Program
c/o Medical Education Institute, Inc.
414 D’Onofrio Drive, Suite 200
Madison, WI 53719
Phone: 1–800–468–7777 or 608–232–2333
Email: lifeoptions@MEIresearch.org
Internet: www.lifeoptions.org
www.kidneyschool.org

National Kidney Foundation
30 East 33rd Street
New York, NY 10016
Phone: 1–800–622–9010 or 212–889–2210
Fax: 212–689–9261
Internet: www.kidney.org

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Acknowledgments

Publications produced by the Clearinghouse are carefully reviewed by both NIDDK scientists and outside experts. This publication was reviewed by Thomas Dudley, Maria Ciccanti, Eva Fung, Emerson Carvalho, and Kelly Anderson, Centers for Medicare & Medicaid Services; Leslie Pionke, M.S.W., Inova Transplant Center, Fairfax, VA; and Cindy Cornejo, M.S.W., DaVita Dialysis Clinic, Fairfax, VA.

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This publication may contain information about medications. When prepared, this publication included the most current information available. For updates or for questions about any medications, contact the U.S. Food and Drug Administration toll-free at 1–888–INFO–FDA (1–888–463–6332) or visit www.fda.gov. Consult your doctor for more information.
About the Kidney Failure Series

The NIDDK Kidney Failure Series includes booklets and fact sheets that can help the reader learn more about treatment methods for kidney failure, complications of dialysis, financial help for the treatment of kidney failure, and eating right on hemodialysis. Free single printed copies of this series can be obtained by contacting the National Kidney and Urologic Diseases Information Clearinghouse.

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National Kidney and Urologic Diseases Information Clearinghouse

    3 Information Way
    Bethesda, MD 20892–3580
    Phone: 1–800–891–5390
    TTY: 1–866–569–1162
    Fax: 703–738–4929
    Email: nkudic@info.niddk.nih.gov
    Internet: www.kidney.niddk.nih.gov

The National Kidney and Urologic Diseases Information Clearinghouse (NKUDIC) is a service of the National Institute of Diabetes and Digestive and Kidney Diseases (NIDDK). The NIDDK is part of the National Institutes of Health of the U.S. Department of Health and Human Services. Established in 1987, the Clearinghouse provides information about diseases of the kidneys and urologic system to people with kidney and urologic disorders and to their families, health care professionals, and the public. The NKUDIC answers inquiries, develops and distributes publications, and works closely with professional and patient organizations and Government agencies to coordinate resources about kidney and urologic diseases.

Publications produced by the Clearinghouse are carefully reviewed by both NIDDK scientists and outside experts.

This publication is not copyrighted. The Clearinghouse encourages users of this publication to duplicate and distribute as many copies as desired.

NIH Publication No. 09–4765
April 2009

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Kidney and Urologic Diseases Home | Kidney and Urologic Diseases A to Z | Statistics | Clinical Trials | NKDEP | Awareness and Prevention Series | Additional Resources | Order Publications | About Us |
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The NKUDIC Clearinghouse is a service of the National Institute of Diabetes and Digestive and Kidney Diseases, National Institutes of Health

National Kidney and Urologic Diseases Information Clearinghouse
3 Information Way
Bethesda, MD 20892–3580
Phone: 1–800–891–5390
TTY: 1–866–569–1162
Fax: 703–738–4929
Email: nkudic@info.niddk.nih.gov

Feel better soon

Starshine

qwertyuiop
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4308. qwertyuiop posted on Aug 16, 2010

hello i need help to pay my bills because iam not working reson is i just had a kidney transplant i dont have no money

Schmidty
offline
4307. Schmidty posted on Aug 15, 2010
 in response to jeprose...   

All I can do to help is give you addresses to orginaizations that give grants, if you know of a church, united way, or some group like that , that could write a grant out for you or with your help. Here they are:

1. European Foundation Center

www.efc.be

2. US International  Grantmaking Website

www.usig.org

3. Wingsweb

www.wingsweb.org/index.cfm

4. Grantsmanship Center

www.tgci.org

5. http://foundationcenter.org/getstarted/international

I hope this is of help to you. Good Luck and God Bless

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