04 Sep
How screwed am I, financially? What can I do to help myself?
Posted in automobile accident lawyer on 04.09.10
Best information and tips about injury claim car accident, automobile accident lawyers and personal injuries claim
This is going to be long, but it’s a somewhat desperate cry for help, and I really have no idea where else to go with it.
I am a 24-year-old college student on my third major; I decided to switch from something I knew how to do, to pursue a lucrative job I’d probably hate (computers), to something I like and will continue to love to do, though it’s not as lucrative (teaching literature). Last year, I moved on from a community college to a University, and I’m now broke.
Last year, I moved back in with my mother; my parents have been divorced for 6 years. My father quit his medical practice in my hometown, moved across the country, quit his job there, and is now filing for bankruptcy and does not pay my mother alimony. My mother lost her job a couple of weeks ago working for a land company, and cannot file for unemployment. She has a master’s degree in business, but her degree is "old", and at 52, she is having difficulty competing with younger people. She does not have a lot of money, since in the divorce, my father took most of our "stuff", and she was left with our property – which isn’t selling.
Just after the divorce, I sold most of my stuff – movies, books, DVDs, video games, computer equipment, even furniture – to save money for college expenses. For a couple of years, it was just fine – I had just enough spending money and a steady enough job that paid enough and had enough hours that I could focus on my classes and not have much to worry about while I lived at home and helped pay for groceries and such.
Well, that all changed pretty quickly.
Last summer, my car broke down – the transmission blew while pulling out of a parking lot. I had to wind up buying a new car. There goes a lot of money, right there.
After that, a theater group I’m in went to Salem, Massachusetts to do some research on the Salem Witch Trials for the play, The Crucible. I wound up having to take my car, because I was the only other person with a reliable automobile for the long trip besides the one car we had already planned to be taking. Which meant that I needed to buy new tires. Some people pitched in for gas, and everyone paid for their hotel room, but as the trip went on, I wound up covering a lot of expenses. I spent 00 in a single weekend buying tires, gas, food, drinks, tours, books, and props for the play. I was paid for about worth of props and a fair amount of the gas from everyone. Not a single person paid me back for the food and drinks I wound up buying, or the tour tickets I bought them. Some people bought me dinner at later dates and such, but I didn’t get paid back. I’m a college student, I can’t afford to throw that kind of money down on a weekend excursion. But, I did. I have since not trusted anyone to borrow money from me.
Later that summer, I was in a car accident with my (now-ex) girlfriend. I spent a week in the hospital and suffered a closed head injury that has affected and continues to affect my memory and attention, to the point where I basically read at a snail’s pace. Doesn’t bode well for classes, especially for classes in my particular field of study (English/Education/Literature).
Worst part is, my insurance didn’t initially pay for anything at all. I was airlifted from the accident – cost 0. My anesthesia still hasn’t been paid for, don’t remember how much that was. One of my surgeries wasn’t even initially covered – I wound up ponying up for a lawyer, with my mother’s help, which helped us to get them to pay for most of it, finally – then we had to pay the lawyer, of course. It’s still ongoing. Anesthesia still isn’t paid for. We still can’t afford it ourselves, either.
After the accident, I had a hard time going back to real life. I couldn’t move to where I had planned because I couldn’t take a full load of classes that semester, move, and find a new job without being completely overwhelmed, so I stayed at home and took 2 classes and went back to work as I had been.
As far as work goes, my workplace was told by one of my doctors to only have me work 8 hours per week, because of my mental condition (I still tend to get pretty overwhelmed by things) – at 8.50 an hour, that’s not a lot of money. I received a month of lost wages, and am supposedly to be paid 80% of the difference between my 8-hour weeks and what I would otherwise be working since that month, but I haven’t seen a dime.
I’m also buying audiobooks and cliff’s notes to help with my reading and retention, which my insurance company is supposed to help pay for. They haven’t done that, either.
I used to work as an English tutor for local high school students; I still get calls about it every so often, and I still try to do a little bit of work. It pays pretty well (/hour sometimes) for the short periods of time I get to do it, but it takes a lot out of me. I buy copies of all the required readings at the local high schools and keep up on those books, on top of the own that I have for my classes.

