June 22nd, 2004

WebCam Greg

When it rains, it pours

Man! I got a letter from Social Security, informing me that the State of California is no longer paying my Medicare medical insurance premiums after April 2004, and they're deducting the past 2 months premiums from my next deposit (I guess the left hand finally contacted the right hand and realized that I haven't lived in California since November. I did let Medical know that I was moving.). Then beginning with my next deposit they will begin deducting $66.60 from each deposit to pay the premiums. That means that $133.20 will be deducted for the past 2 months plus $66.60 for July. I will get about $200 less in this next deposit.

Now all is not lost because I can goto the Medicaid office here in Maine and apply for help to have my Medicare medical insurance premium paid by Medicaid (or Maine-aid as it is called here). I'm not sure if I can get Maine-aid to pick up the premiums since April, but it is worth a try.

I canceled my cell phone account. I am getting hit with a $150 early termination fee, but I will be able to call the collection department after I get my final bill and negotiate a payment plan. Anything less than $40 a month with be a help.

As it stands now, it looks like I'll be having to file bankruptcy in a few months. All of my credit cards are over their limits and I don't see any way to make payments to them. After paying rent, utilities, phone, dial-up (I won't shut myself off from the world), car insurance, and miscellaneous bathroom products, I will have a little over $120 to buy food and gasoline. And I need to make a 2-hour drive to Agusta every other week to see the doctor or nurse at the V.A.

I will be going over my budget with a fine tooth comb today trying to slim down as much as I can.

If I can just hold the creditors off long enough to save enough money to pay a bankruptcy lawyer to file for me, then I'll be fine. In my current mental state, there is no way I can file by myself. If I tried to fill out the paperwork myself, I know for a fact that I'd be heading for the hospital before I was done.

All in all, I'm feeling pretty good about all of this. It's not the solution that I prefer, but it is one that will keep me safe and relatively in good spirits.
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