In need of your help

   Dear yedda readers,   hello. My name is gary l ribble and i am a 61 year old disabled man. I have come to yedda before to ask for help but the answers i got did not work out,so i am back again,asking for your help one more time,in hopes of finding the answer i need for my wife and i to get out of debt. As i have mentioned before, i have bad health and this is enough for me to worry about,let alone our bills.Since my last post,both my health and our financial situation has got worse. I first want to say,before i start to ask for help,that my message is not a scam. God knows there is a lot of this on the internet but i swear,as god as my witness,my message is for real and not a scam. You may check me out if you like,someway or another. I live in nappanee,indiana and can prove my words to be the truth. My wife and i are in debt,by the sum of $20,000.00,most owed on our vehicle and i have been searching for a way to pay off our debt,so all we have is our normal living expenses.  Since my last post,my health has got worse. My bloos pressure has gotten higher,my diabetes has gotten higher and my chronic lymphoctic leukemia has got worse.   We have tried everything to get the help we need. I have made a post on twiiter,face book and the google blog spot,with no responses. So today i am back to yedda,hoping for help. So my questions are,does anyone know of a finance company anywhere that would loan us the money,to consolidate our bills? If so,could you please let me know. Does anyone know of a legal way,that i could possibly start a benefit for my wife and i,to possibly pay off our bills? If so,could you let me know. Maybe god will be with me today and bless me with a reader,that would loan us the money to pay off our bills.We would pay it back. So you will know. We filed chapter 7 bankruptsy back in 2002 because of high medical bills etc. And we do not have the money to file a chapter 13.  I have tried everything to find our help. When i became disabled back in 2007,after working for 43 years,i was told that there is all kinds of help available to disabled people,for any situation. As of this writing i have found none. Government grants,do not exist,for personal use. If it does then i have not found it. If anyone knows of any,that does not involve software or monthly payments,then please tell me.  I have looked everywhere for help and for the yedda people who did give me advice and it did not work out,it was not your fault and i thank you for your advice.   I decided to write again today,because my wife and i are close to loosing our vehicle,for we are 2 payments behind on it. Citi financial auto,financed it for us and i have tried everything to get them to re-finance but they say to call and i can't. I have a hearing problem called tinitus. A loud ringing in my ears,that drowns out what people are saying to me,so i do not use the phone no more. I take care of the business in our family because my wife has a limited education and does not understand what people are talking about,when it comes to business. I do not hold this against her. She is a very beautiful lady and i love her very much. Our mobile home we live in,could be taken from us,for re-sale and the money put towards what we owe. We can not afford to loose our vehicle,because of unexpected emergencies,do to my health and we can not afford to loose our home because we will have no where to go or anyone to turn to.   So our situation is a bad one and asking for help is the hardest thing in the world to do but when you ask someone for help and they close the door on you before you have a chance to ask,this really hurts and this has happened to many times.   I have been helped onece on yedda. A very kind man,sent me diabetic supplies i could not afford and i was very over whelmed and was so grateful,to his kindness. I am about out of those supplies but maybe this same man will come forward again and help me out. All i know,the yedda people at least read my message and try to help us out and i am very thankful for this. This is why i decided to make one more try and see what happens. For the lord works in mysterious ways.  So i think i have said everything i wanted to. Now as always,i will wait on any responses,in hopes that this time i will finally find my answer and save all we have and then i will try to start taking care of myself better by relaxing and not being so stressed out or depressed.   So to each and everyone who reads my message and responds,god bless you for taking the time to read it and hopefully offereing us some good advice.  If this time does not work,i promise not to bother the yedda family again. So thank you for your understanding and for your cooperation and may god bless you.   Have a very blessed day.                                                     Gary l. Ribble

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Best Answer

Gary, I just now saw your question.  Have you applied for Medicaid?  You should be eligible for it.  Then you can get all of the medical supplies you need.  Apply for financial help and foodstamps.  Also put a free ad on www.freecycle.org.  People give and receive free items there. And in your own neighborhood. You may get lucky and get some of your medical supplies from someone on freecycle.  As to refinancing your car, have a friend call for you.  Have the friend tell them that you cannot hear on the phone, and you would like to contact them via email instead.  Have the friend get an email address for you.  You can contact all of your creditors via email, explain your situation, and ask for lower monthly payments.  Also, it would be a good idea to remove your home address from your profile.  It is never safe to post personal information on the internet in an open forum.  I hope you feel better real soon.

Anna Sparky's Mom

Please adopt a pet. We need you! ***** I am a free spirit who is grateful for my life and freedom...today. Christine Burgess ***** I am blessed to be friends with the best.

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