Good afternoon. My situation is a little unusual. Exactly one year ago today, I was poisoned by pesticides. We had to vacate our house. I lost my job due to medical disability. We are now running into severe financial consequences.
It's been six months since we made a mortgage payment. Without a job, I could not afford to pay the mortgage and the rent on our tiny apartment. Most of my disability income has gone toward doctor visits, co-pays, rehabilitation, prescriptions, MRIs, etc. The good news is that we don't have any debt due to medical expenses.
We only had three months income in savings. All the books said this was the target amount. It would have been just fine if we didn't have to move, buy a new bed, furniture, clothing, shoes, linens, etc. We had to start over from scratch. We paid cash for all of these items.
Since I spent all of our short term savings getting reestablished, we ran out of cash fairly quickly. Wells Fargo is going to start the foreclosure process on June 1st. I'm behind around $7,000. My credit cards are maxed out. I even had to withdraw money from my 401k and my IRA just to survive.
My health is improved and I will be released to return to work part-time tomorrow. How do you propose I dig myself out of this hole? I have an almost perfect credit history; however, this is going to change here soon. I know I made mistakes; however, I need to know how to fix this situation before it ruins me financially.
Thank you for any help or suggestions.