C.W.
I have a disability with my arms and feet. I've tried to get disability from SSI and gotten turned town 2 times. I would encourage you to go to the Social Security office and get an application in there. You can do it over the phone or go into the office and talk to a worker that way. I did mine over the phone and it was long, so I recommend going in to the office.
Have you tried for Food Stamps, WIC (for Moms that are low income and have children under the age of 5)? WIC can give you certificates to get milk and some food for each month. That will help out some, won't cover everything. At WIC, you call them and set up an appointment and bring ID and a telephone bill or bill showing proof of your address. You bring your children also to the first meeting. I would call 211, it is a helpline for people who are in need of help. There are churches that will help with utility bills and sometimes the electric companies will do this also. Catholic Charities and The Salvation Army are good places to call and check and see if they can be any of assistance.
Are you a member of a church? You might check with your church and see if they can recommend anything/talking to a minister would be helpful.
There is a support group for people with disabilities. Easter Seals is great, I would contact them, I have used them. They help you with job interviews, resume, finding a job (helping you find a job), job coaching, job placement,etc...
DARS (Dept of Rehabilitative Services) is great. You do have to show proof of your disability, once you are approved, which might take a month or so, you will be assigned a worker. They can get you equipment to help you in your workplace/accomodations, if you need them at home (if you are working from home).
I would call your hospitals and talk to a Manager in billing and explain to them the situation. Maybe they could put you on a payment plan and maybe even knock off some of the charges.
You might want to get a disability attorney. They could help you with your bills and getting disability also. A lot of them work on contingency, where you pay at the end after you get disability supplement from the government.
I would have either your attorney talk to the mortgage company and the car-bank or lender about this situation.
Are you getting Unemployment checks from the city/state?
Have you asked for help from family? Maybe they could loan you all some money and then you pay it back when you start working or getting disability checks in.
You all should be able to qualify for Medicaid insurance. I would apply for that.
Is there anything that you all could sell to a pawn shop or in the newspaper that really is a luxury?
You might check into housing-public if the mortgage company won't help you out and an atty can't help either.
If you need any phone numbers for any of this, let me know. We live in Fort Worth, so mostly we know about Fort Worth/Arlington area.
Do you have any type of savings account, 401K or money saved up for retirement to dip into? Hope this helps and good luck, we will be praying for you all. I know it can be very frustrating, we've been thru some rough financial times over the years, with my disabilities.
