Anxiety and bankruptcy
So last Friday or Saturday I got a letter from a bankruptcy attorney saying I was being sued and he could help me. I looked up on that local court records and yeah I'm being sied.
About 2 years ago I was doing real well after I paid off my house and I got a loan to get a new roof and windows. I was doing real well till I had a bad depression and was in the hospital got out and went manic and blew up my credit.
I went and seen a bankruptcy attorney about it and he told me I'd be okay that I could most likely keep my house and It would cost me $800 to start and then $200 the next month and $200 the next month.
Well my doctor submitted a paper to social security for me to get a payee but social security couldn't find a payee because of technicalities between federal and Illinois law. In Illinois the local mental health agencies also do payees for people. According to Medicare laws your provider cannot be your payee because it's a conflict of interest. If I was just getting SSI and Medicaid they could be my payee No problem but I'm getting Medicare assault they couldn't do it. I didn't have anybody else that could do it. So basically they just let me be.
Since then I've dug myself another hole I'm about $3000 in debt now. how about that doesn't matter because the bank and the store that are suing me are from 2 years ago.
The suit doesn't even have a hearing till March So I have time to save money. I got $300 for it tomorrow. Then next month because I won't have any loans to pay since I'm going to file bankruptcy anyway. I can have another four or five hundred.
If the bankruptcy lawyer still gives me the discount because I was getting social security then the $800 will start it off going fine. If not I'll have to save up some more money but I have plenty of time.
There's a small chance I could lose my house but it's very small. According to Illinois law they can't take your house if it's less than $15,000 and mine's only worth $10,000
There's a small chance I could be cleared incompetent of handling my own money and I would have a state guardian. Although there's a small chance of that even if I just get sued whether I file bankruptcy or not. That's freaky.
It's still just weighing me down now. I can't stop thinking about it. It's the worst anxiety I've had in 10 years. After thinking about it all day I get tired and sleep for 18 to 24 hours and then I wake up think about it again and do the same thing again.
I've been talking on here that helps keep my mind off of it but it's still just gets to me every time I stop.