Mar 31 2009
It’s Great How Things Have Fallen In Place For You
Part 15:
Well as previously mentioned in my last entry, on Wednesday, August 30th I was to go to my nearest Social Security office and my Adult Protective Service person was going with me. He had scheduled an appointment for me during the first week my mother was hospitalized, and initially, it was more the idea of just asking questions if my SSI would be raised should my mother pull through her illness, but had to be sent to a rehab/nursing home type place, as I would now be considered living alone then. Well, of course that changed when my mother actually passed away on August 27th….now I HAD to have to have my benefits raised as there was no way I could ever survive on the benefit amount I was getting.
It was actually brilliant that my APS person did make the appointment for me, for if he hadn’t I would have been sitting there for god knows how long taking a number and waiting my turn. Yes, I still had a wait but not all that long. After about only an hour’s wait, I was called in, and Mark, my APS person came in with me to the offices and was assigned a caseworker. And yes, she examined everything I had…I brought tons of paperwork, evidence of bills paid, rent, so forth, enough “evidence” that would have made a lawyer a happy camper. However, I was in for a shock. My benefits were to be raised to $690.00 a month…I nearly feel off my chair…like that wasn’t enough for me to live on! My rent was $529.00…still dirt cheap but the only reason it was so low was due to the fact that I had lived there since 1961. Minus the rent from that amount of $690.00 didn’t exactly leave that much leftover…I had the utilities to pay off…including one rather over-due phone bill of about $100.00, the gas, the electric (which then was level-payments of $78.00). Thankfully the caseworker said I was eligible for food stamps, but I still just didnt’ have enough to pay off all those bills. Anyway, the caseworker said my new benefits would be available to me that coming September 1st as my benefits increase would be established right away. But you can still imagine how I was fretting over being able to pay all my bills. At the time, I figured, okay, I can put off perhaps paying off my phone bill one more time as my reckoning it was more important to pay my rent on time. Things were to turn out though.
The next day, August 31st, was to be another court appearance, but for the first time, I didn’t attend. I had in a way a good excuse as my mother had just passed away. It was at that court date however, that the next step was to assign me a guardian ad litum…not quite a lawyer, but could still legally represent me. You see, the one big hiccup with my mother passing was that I was technically speaking no longer legally represented, only my mother had been via JASA-Leagal Services of The Elderly. So great, huh? I was now without a lawyer, but JASA managed to arrange everything and my APS person, Mark was also still representing me. That court date, believe it or not, STILL was not to be the last one. Geez, they sure were dragging things out weren’t they? The next court date was to be in October. In the meantime, I had a lot of hustling to do to see if there was any funds available to me via the places my mother had previously worked at. Within a week’s time of having called the one place (Duestche Bank), I was sent all the necessary forms to fill out to start the process of turning the money over to me. The form indicated that there was at least $5,000.00 in the account that I could claim–that more than settled the problem of paying for my mother’s cremation but it still would take awhile before I would actually get the money. I still had my worries though about paying off all my bills, but thankfully a dear friend of mine “helped” me out and told me the money she gave me I didn’t have to pay back….thank goodness!
It was Saturday, September 9th that I “picked” up my mother’s cremated ashes, and had yet more forms now to fill out as I indicated to the funeral director that there would be funds available to pay off the costs. He said that the Deustche Bank Total Now account would have the money automatically deducted to cover the funeral costs. One great load off my mind! It wouldn’t be until the beginning of October that I would receive that money and it seemed forever waiting for it. One thing I did sort of have “fun” with however. My mother’s old debts. When she died, she was way over $25,000 total debt due to credit cards, loans and other bills. What did I do? I wrote cover letters to all concerned, slipped in a copy of my mother’s death certificate, and explained to each company she owed money to, that with her death negated any responsibility in the debt being paid off…THIS IS LEGAL by the way. Unless, the debt is a joint account, the surviving members of the deceased are NOT obligated to pay off debts, including credit cards or loans. It’s also mentioned in the Fair Debt Collections Practices Act how this is true, so meaning, a surviving member of the deceased cannot, repeat, cannot be harassed by any debt collector. There actually a few “funny” moments in connection with this though, which I’ll talk about next time and of course, some of my other aggravations.
©2009~Melanie Neer aka pyewacket









