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getting help when signed off sick
been struggling for all my life to earn a decent living due to illness. Recently been diagnosed with a disease and waiting to hear from a specialist as to exactly what is going on. I'm in debt and seriously struggling to keep up with payments when Im only getting £70 sick pay. Finding it difficult to get any advice about whether I can claim benefits or whether I should just go bankrupt. My total debt is £11,000 and I dont really want to go bankrupt but just want it all to be sorted so I can concentrate on my health. Wondering if anyone has any advice and maybe even info on working from home as Im not sure what work I'll be able to do work wise from now on.
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It depends on what your limitations are going to be in respect of working from home. Most of these jobs are very poorly paid and not always reliable. If you have to pay ANYTHING up front, avoid it. If it sounds too good to be true, it is!
If you are going to be slightly mobile but need hours to suit yourself, how about party plan? This would involve you either going to peoples houses and them buying products from you, or them coming to you. You can do this for the times you know you will be able to cope and as often as you want to.
I have added a couple of websites you could try to find out if there are any more benefits you would be entitled to. Or you could ask your doctor for help or try the local DHSS.
As for the debt management, there are a lot of companies that want to help with this on the internet and in advertisments. If you want to try one of them, avoid any that want to be paid a consultation fee or sound as though they are going to make things worse. There are Government funded debt management options. Again, the DHSS may be able to advise on this. Never, ever, go to a loan shark, you will be sucked in and sucked dry, you will never get rid of them and they will take everything you have.
Another thought on your debts, have you advised the people you owe that you are having problems paying? From what I have heard, if you admit this and ask if you can arrange easier instalments, most companies will go along with it. They would prefer to get their money at some point than never. If they are aware of the difficulties you are facing, they may be able to help.
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Best of luck to you and I do hope the news you are waiting on from the specialist will be hopeful.
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Well, first off, with your Drs. help, you should most definetly be able to get on disability. I know people who are on it because they have mental problems or a bad back! Check into it. Ask your Dr. or health insurance. Second off, as far as the debt goes, go see a credit oounseler in your area. Dont get any of the crackpots on line. Make sure you find a non profit company. They will help you for as little as $35.00 a month or sometimes free. They will reduce your debt, talk to the companies about lowering your interest rates & sometimes even get the debt excused. They do wonders. They will let you know what is the best route for you to take. Hope this works for you. Good Luck.
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