bankruptcy government advice

Financial advice for sister with Depression?

My sister is diagnosed with depression. She is presently in the hospital for this. She had just started a job and it was stressful for her. She spiraled downward and became suicidal. She has had depression for many years now (she’s 46 yo). She owns a condo and now that she doesn’t have a job, she has no way to make her mortgage payments and living expenses. Her credit card debt is about $20,000 because she has had to use credit before she got this job. She is a very prideful person and even though she has a problem handling stress, she also would not want to accept a job in a grocery store. She has had some temp service jobs. Anyhow, I am afraid that she is feeling so low about herself, and if she is having financial problems on top of that, she won’t be with us much longer. She would never file for bankruptcy because of her pride. What kind of aid could she apply for and what would she need to do to get some kind of government aide, if any?

She needs two things: SSI and SSDI. She can apply for both with the help of a Rep Payee or some other form of representation. She probably has paid enough into the Social Security system to get enough to get by… and if she throws the pride issue at you, tell her you care about her LIFE.

Michael Covel and Tim Sykes Talk Media