Idk what this means yet but I'm excited to see some loss porn soon

Hi PF,

I live in WA. I have a problem with money, and I'm very sick.

March 22nd, $0 CC debt, $25k savings, $100k 401k, $125k mortgage. Prescription change

April 30th, $90,000 CC debt, $15k savings, 90k 401k, $124k mortgage.

August 30th, $100,000 CC debt, $15k stock, 90k 401k, $120k mortgage. Diagnosed with toxicity, placed on FMLA, STD.

Today, failed I failed my neuro exam. My neurologist took over my STD, and is blue booking me for LTD. Most cases are chronic.

My wife has no assets and makes 40k a year. We have two children, under 3.

Does it make sense for me to cash in my 401k and stock to pay of my CC debt? Would bankruptcy even apply?

Sorry if this isn't coherent. Lots of fog.

EDIT - SORRY I COMPLETELY FORGOT TO MENTION SOMETHING CRITICAL! WE ARE RECEIVING AN INSURANCE PAYMENT of $60K. They are litigating for more (deductible and 20k moving cost).

OP appears to be legitimately brain damaged so keeps editing posts. $90k in one month is some hard work. OP posts a breakdown:

We relocated and our moving truck was destroyed. 30k furniture and appliances.

10k medical

10k take-out

20k into 529s

15k lab equipment

661 Amazon orders.

8k house fence

Edit, I could sell my electric bike, but I may lose my license.

Lab equipment is supposedly computer network equipment and it:

Lab equipment provides the equivalent of $500 a month.

Take-out:

The takeout was due to me being hospitalized. Yo, it's tough to cook when you can't use your hands.

Hospitalized from what?

No, someone tried to kill me while kidnapping my children. A protective order was issued.

Cerebral wrote me Lexapro for anxiety, then wrote Lexapro for depression. This doubled my dosage, and happened right after Cerebral sent out emails that they are no longer able to prescribe.

edit - I would doxx myself If I provide the court info.

So he got brainfried by an anti-depressant?

The furniture is them spending $30k more to replace the moving damage. This is where the $60k is coming from.

This is a great question. They'd covered items in the truck.

There was around $250k-$275k damage.

Trying to order any furniture during November-February of 2021-2022 was nearly impossible to order furniture, so we were unable to get exact matches on a lot of our items.

Example - Dining room chairs, backordered 9 months. Purchased folding chairs to get buy, then purchased the actual chairs for the insurance recovery.

Sorry that I'm crap with details. Memory is still returning.

The thought of living without driving terrifies many adults in the United States because car dependence defines so much of our built environment and culture. But in every community there are people who can’t drive. And not just places where not driving is relatively convenient, such as Capitol Hill or Portland.

In fact, more than one-third of people living in the United States don’t have a driver's license. This includes people like me who can’t drive because of our disabilities. It also includes young people, immigrants, people with suspended licenses, and people who have aged out of driving. Additionally, there are many people with licenses who can’t afford to own a car, pay for insurance, parking or gas.

But despite how many of us there are, the narrative we’ve been sold is that without a car you are not a person who has valid mobility needs. That story is particularly alarming when you consider the equity implications of who is considered a nonentity.

People without driver's licenses, both who identify as disabled and those who do not, are more likely to be Black, indigenous, or people of color. People with disabilities are four times more likely to be unable to drive, and two to three times more likely to live in a zero-vehicle household.

Wanting to address our erasure as nondrivers, in the fall of 2020, we began organizing other nondrivers as part of the Disability Mobility Initiative to insist that our voices be included. This looks like showing up to testify at transit board meetings where service cuts are being considered, or sharing stories in op-eds and TV interviews about how broken sidewalks and fast-moving traffic make it difficult for us to access our neighborhoods.

We’ve also invited elected leaders, transportation planners, and everyone else who normally drives most places to spend a “Week Without Driving,” where they experience what it’s like to try to get around their own communities and patterns of daily community life without the privilege of driving themselves. When it comes time to allocate resources and make plans, we hope this challenge helps them remember how inconvenient or just simply impossible it is to get places without driving right now.

And while our work at the Disability Mobility Initiative primarily addresses the gaps in access for nondrivers, car dependency has other environmental, climate and societal costs that are externalized to low-income and Black and brown communities. From neighborhoods segregated by highways, housing costs exacerbated by parking minimums, exposure to air and noise pollution, vehicle crashes and pavement-induced heat islands, our decision to build communities centered around the ability to drive yourself in a vehicle everywhere you need to go was and is a failure.

Rather than minimizing the mobility needs of those of us who can’t or don’t drive, we should be celebrating and encouraging nondrivers, especially those young people who understand the extraordinarily high costs of car dependence and who are choosing not to feed into this dysfunction.

For people who have spent decades centering their lives around vehicle ownership, it may be impossible to imagine our country without car-dependent mobility. But those of us who are nondrivers are already working towards a different future. A future where you don’t need to worry that your car payment eats one-third of your paycheck, where you can let your kids walk to school on their own because there are sidewalks the whole way, where the light rail station is surrounded by affordable apartments rather than parking garages. A future where you could get from one rural community to the next because we run rural bus routes or rebuild our rail network, where you can still get to all our national parks even if you don’t have a car.

Also, critically, the world nondrivers inhabit is one where you build connections across your community as you wait together at the bus stop, or when someone offers you a seat on the train. None of this happens when you’re hermetically sealed in a private vehicle.

Nondrivers can see a different future, and we want you to join us.

Anna Zivarts is a low-vision mom and nondriver who was born with the neurological condition nystagmus – a genetic condition that means her eyes are always shaking. Since launching the Disability Mobility Initiative (DMI) at Disability Rights Washington in 2020, Anna has worked to bring the voices of nondrivers to the planning and policy-making tables. Anna serves on the board of the League of American Bicyclists and the National Safety Council’s Mobility Safety Advisory Group.

OP is trying to do a HELOC to pay for his wedding () and discovers the 0% down solar panels he had installed (which only cost $86k) actually triggered a $410k PACE lien. A PACE lien is from a loan program that the Feds setup a while ago which is rife with scammers. To the point that some municipalities have outright gotten rid of the program. The way the scam goes is that contractor bids a job to replace windows, tells the customer you won't have to pay anything up front you can just do a PACE loan, jacks up the fees, and sometimes doesn't even bother to complete the work. It's hard to tell how the lien is for $410k since the OP has no idea what's going on. Maybe it was really a lease or the lien amount is for the loan over 30 years or something. These are first priority liens too, which means they get paid before the mortgage.

OP explaining how he spent $86k on solar panels:

It was a large amount of panels. 49 total. We have multiple people living with us, plus a relative that stayed with us during the quarantine year. We were all home for almost a year eating up energy usage. The solar companies base your panel needs off of the past year usage, so I thought it was a great time to get a system built to absolutely overproduce. In my state you can't add panels past your usage or it's considered "energy farming". God forbid we produced more.

OP resisting cancelling the $20k wedding:

Obviously we'd all love to have disposable income to throw ten thousand dollars around from a safety net. Unfortunately I'm in the 99% of the world that doesn't. We can certainly save some extra until then, but there is in reality only two months until all the payments are due. A good chunk of our extra money is tied up in a new business venture. Thought since we've been paying our mortgage down like animals and have so much equity, why not borrow some cash at a 4% rate. I can understand your not coming at us as snarky. Please understand I'm not coming back in a defensive insulted way. I'm not sure where you live, but where we are, weddings are jacked up 3,000% of value for everything. It's impressive to both of us how much we saved towards it in just a year and a half.

Anyway, we'd be just fine taking a HELOC and for 9/10K and then paying it right off with wedding gift money. Or blowing that money for no reason and still be fine paying the HELOC off in 5 or 6 months.

And as a side note, /r/legaladvice providing no value at all and just says get a lawyer: https://old.reddit.com/r/legaladvice/comments/xebidg/mysterious_410k_hud_lein_on_my_house/

Well when the HeadAdmins fricked up the site by hiding hole subscriber count i quit actively recruiting. Now that theyve added back we are back with a vengeance. 100th subscriber when? Very fricking soon.

King 👑 von 4ever