"Emergency Loans For Unemployed" Discussion
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Upsolve Community Member
2022-01-04
Medical emergency had a stroke and heart attack November 2020 been awaiting SSDI approval since February 2021 they are backed up had no income since March 2021 completely broke brain damage very sick paid 5 years and 10 months at 22% interest on my 2014 Corolla through Santander got it in 2016, it was a 2014, due to interest paid almost 6 years still have over 10k left and am 80 days past due and up for reposession and they won’t work with me, credit shot from the last year, no one to help all alone need help please I won’t be able to get another car with amount of SSDI monthly payments and only 80k miles on my car I need to pay it off then drive it for remainder of my life please help also my credit score plummeted from 770 to 510 in the last year due to medical emergency and SSDI holdup medical bills charged off small credit cards and loans screwed me up brain damage please help 2144047715 Rachel flock have no money negative overdrawn in my bank please help
Upsolve Community Member
2021-12-22
If you have not heard, on Dec. 22, 2021, President Biden has further extended the current Covid Forbearance (no student loan payments due) until May 1, 2022.
Community Replies:
Upsolve Community Member
I received celebratory texts from my kids. :)
Upsolve Community Member
It's important to consider how this might affect your circumstances. Different factors, like your loan type or your financial situation, may impact what this announcement means for you. Keep asking questions as they come up for you!
Upsolve Community Member
You can read the announcement here! https://studentaid.gov/announcements-events/covid-19
Upsolve Community Member
In addition to what Claire has mentioned, the three factors that may have changed are your income, married or single, and family (kids!)
Upsolve Community Member
Loan borrowers on IDR plans typically need to recertify these statuses annually, however, recertification has also gone on "pause" during the Covad forbearance period. Still, if recertification works to your FAVOR, check to see if it would benefit you to recertify NOW..
Upsolve Community Member
To learn about applying, changing, or recertifying IDR plans: https://studentaid.gov/app/ibrInstructions.action
Upsolve Community Member
2021-11-03
UPDATE I received a job offer to work remotely and my eBay store is growing! Since I have to re-file/amend my 2020 taxes in January I have sometime to try to get an emergency fund in place. I'm going to build it to 1k, re-establish myself and turn that into to 10k. Along that path from 1k to 10k emergency fund I can make a plan to pay down my 20k in CC debt. If it all become too much after my taxes are filed and I can't get my expenses any lower and income any higher, declaring Chapter 7 with Upsolve is an incredible recourse/asset to have in order to gain a fresh start on life. Where ever you are in your process, don't give up!
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Upsolve Community Member
AMEN! Congrats, Joe. Thanks so much :)
Upsolve Community Member
2022-01-19
Is it possible to be assigned a case number today?
Community Replies:
Upsolve Community Member
Veda, this is possible, but unfortunately, Upsolve can't assist with this- if you're needing to file on an expedited basis, this is generally called an "emergency filing"
Upsolve Community Member
Emergency filings are described in more detail here: https://upsolve.org/learn/what-is-an-emergency-bankruptcy-filing/
Upsolve Community Member
If you need to file today, the best procedure would generally be to visit the court in person (or review their website) and see what options are available for filing on an emergency basis
Upsolve Community Member
2021-10-11
Hi Upsolvers! The U.S. Trustee Program has provided a helpful document about emergency rental assistance available during the pandemic, and I wanted to pass it along. You can take a look at this resource https://www.waeb.uscourts.gov/local/Announcements/UST-Notice.pdf!
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Upsolve Community Member
Hello Claire - Just wanted to check on status since I had selected Nov 1st as filing date and today is the last business day before Monday the first - Thanks Douglas Whitfield
Upsolve Community Member
Douglas, thanks for asking! I'll reach out to you directly with more information. :)
Upsolve Community Member
Thank you so much for the helpful comments on my post!! I truly truly appreciate you!! Thank you again!!
Community Replies:
Upsolve Community Member
OK, Rachel... the first thing you need to do is take three deep breaths so you can focus. Nobody is going to call you from Upsolve --- but if you are under such stress that you need some mental health help ---- 1-800-273-TALK (8255). This is a "Do It Yourself" service for filing Chapter 7 bankruptcy. If you would like info as to how you get started with Upsolve, where you are doing the work yourself, let me know. Please respond to this message. Thank you! :-)
Upsolve Community Member
Hi Rachel, disability is a tough road and my heart goes out to you. Medical problems can really turn a person's life upside down, and SSDI can be a slow process. Bankruptcy can help with medical bills. The article https://upsolve.org/learn/get-rid-of-medical-bills-in-bankruptcy/ has more information. It sounds like you're very worried about keeping your car. That will depend on different factors, but I recommend reading https://upsolve.org/learn/can-keep-car-file-bankruptcy/ to learn more about your options. If it's difficult for you to read or reading makes you tired, check out what accessibility options your phone or computer has to read aloud or narrate text. There are also extensions and apps that can help. Sometimes it's hard to find community services to help, but you can call 211 to find out if the United Way has any community services available in your area to help you with your health care and financial needs.