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  1. 50% in 4 years sounds like they're not adhering to the tenant laws of California, in 2019 they capped rental increases at 10% or 5% plus COLA (whichever is lower, so not more than 10% in that regard).

  2. nip9 says:

    Those caps would only apply if OP was renting an apartment or house. This sounds like lot rent in a mobile home park which are excluded from the regulations you linked to.

  3. nip9 says:

    Do you live in one of the ~40 states with expanded Medicaid? That would be the option if your income is low enough. You can also use pretax deductions to stay on Medicaid until you make a good $5-10k over the limit. After that point you would qualify for subsidized ACA plans. Here is a calculator you can use to estimate what sort of premium subsidy you would get and what kind of deductibles & out of pocket maximum you would face. Edit: forgot to link to

  4. nip9 says:

    Lots of in demand healthcare options that pay well can be done in 2 years. Respiratory Tech, Rad Tech, Nuke Tech, PTA, OTA, Dental hygienist. LPN/LVN can often be gotten in 12-18 months too.

  5. nip9 says:

    Looks like if your lease is month to month then 30 day notice is all that is required in AZ. It doesn't matter if the landlord doesn't like you and may just want you out. As long as they aren't discriminating against you based on a protected category they can kick anybody out for any other reason with proper notice.

  6. nip9 says:

    Saving for your kids college is something you should only prioritize after all your current needs are taken of, you have a sizable emergency fund to handle future job loss/accidents/etc, and you are investing for your own retirement.

  7. nip9 says:

    Georgia bans most payday loans and installment loans under $3k. Max interest rate is 10% and fees are capped (on a $500 loan fees can be no more than $40).

  8. nip9 says:

    Only close the accounts if a card has an annual fee and you are unable to convert the credit line to a different card with no fee. This can be an issue because many of the subprime lenders that will extend credit to those with ~500s credit scores may strictly offer subprime credit products that all come with fees. Even even get approved for your new credit cards first and then cancel the old cards with fees.

  9. Did you have a parent retire or die? That is the typical situation where SSI transitions to SSDI. Or did you manage to work enough part-time hours to get enough work credits on your own?

  10. https://findahealthcenter.hrsa.gov/

  11. If you are under 25 look into Job Corps

  12. First step is revoking authorization for those payday lenders to withdraw from your account.

  13. Defaulting on payments is going to make the situation much worse though.

  14. Defaulting on payments is far better than not paying rent, utilities, or other more important expenses. When their isn't enough money to go around what do you recommend should be going unpaid instead?

  15. Does your spouse have income or assets? If so you would first file for spousal support and potentially child support if any children are involved. If your spouse has a decent job plenty of divorce attorneys will agree to represent you right now even if you might be a stay at home spouse with no income or assets of your own.

  16. Look into Job Corps.

  17. Job Corps can make reasonable accommodations for your disabilities and would provide job training and placement services. If you are doing great in college that may not be the right spot for you but if you have been struggling with community college you might be better off going there for the supports or to learn a skilled trade or if you need to get out of your parents house for any reason.

  18. CNA has lower stress options. Home health jobs aren't usually nearly the stress level of a hospital or nursing home where one might have 10-20 or even 30+ patients waiting on them. That is why I mentioned the personal caretaker jobs in particular as they would be one-on-one situations normally.

  19. Generally bankruptcy is nearly always a superior option to debt settlement. Debt settlement is more expensive in the end (100% of your first payment and 10% of all subsequent payments is a typical commission) while a basic Chapter 7 can usually be done for $1-2k. Debt settlement is also more risky as creditors may choose to not accept a lowball settlement offer and choose to directly sue you if they think they can get more money that way. Consider what happens if the hospital or a different creditor sues you and gets a garnishment order; could you continue to pay your DMP on top of a garnishment? Few people can and many DMPs fall apart when this happens.

  20. Once they burn through almost all of their assets(limit is no more than $2k excluding house/car/burial plot/etc) they would potentially be eligible for SSI which doesn't have work credit requirements like SSDI. Catch is SSI is usually a lot lower than SSDI; currently $943 a month for a single person household. CT does have a state supplement program that can offer up to another $247 a month if they are paying full rental costs but would have a much lower amount if they are living rent free. SNAP benefits would likely offer another $100-150 towards food.

  21. CT does not asset test for normal SNAP so they should be eligible now based on their monthly income.

  22. Benefit cliff calculators. FinTech apps are all aimed at upper middle class users so this isn’t a consideration for any existing ones.

  23. Send the collectors cease and desist letters. Here is a sample letter to use as an example:

  24. You failed to offer any better advice.

  25. If you are in the US and under 25 then look into Job Corps. As a Federal program they are required to make reasonable accommodations for the vast majority of disabilities. They would pay to transport, house, & feed you. Pay you a small stipend for clothing & personal items and provide basic medical, dental & mental health services. Mostly they would offer education and job training.

  26. You can try to see if any high schools or vocational schools around might offer repairs for only the cost of parts. You might have to be willing to wait weeks/months for them to get to it or be learning the specific lessons your vehicle can help demonstrate.

  27. Are you on some waiting lists for Section 8 or public housing? In California most of the public housing authorities are going to have very long wait lists or potentially lotteries for slots so it is far from a quick solution but that should be your long-term goal here. That would cap your housing costs at no more than 30% of your income.

  28. Might be easier to transition some of your existing skills. If you have been working in warehouses for years then logistic/supply chain certifications would let you move up to more management and back office roles. CPIM or Six Sigma/Lean/TQM (whichever is more popular in your area or is used by your current employer)

  29. You are correct Wisconsin is not a Medicaid expansion state.

  30. Carvana is headquartered in AZ so that isn't a red flag. Your recourse if the payment doesn't go through is the same with Carvana as it would be a local car dealer. Either way you would sue and could do so in your states court. You do have risk if Carvana or a local dealer would file for bankruptcy which could create a major issue with getting paid. Hopefully Carvanas recent restructuring has bought it some extra time before that is a serious hazard again though.

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