Tuesday, October 16, 2012

Today's Lesson on How to Rid Society of People with Disabilities

Just when you think that you've heard all of the ways that the USA tries to eliminate people with disabilities, the USA comes up with another strategy to catch more of us in the net. Today's atrocity can be read about here:
Cindi Silvers Davis and her husband, have tried very hard to work with their bank, Wells Fargo, but they say they have been mislead, they have been treated poorly, and now Wells Fargo is trying to put an advanced stage cancer victim out on the street.

I have an incurable cancer, but these days lots of folks like me and others with advanced stage cancers can go on to live decades beyond diagnosis IF WE RECEIVE THE PROPER TREATMENT.

In order for me to get it, my partner and I had to forgo any state-recognized marriage. Cindi Davis is married with a (modest) home. It sounds like she's stuck in the same situation that I faced. She's not going to be able to get Medicaid without selling all they have. The state expects the person to use all of your resources before it will even consider letting you into the program.

If she was pregnant, she might qualify for a Medicaid program in some states, but not all. Of course, getting pregnant while you're in cancer treatment is disastrous, ill-advised, life-threatening. So, she's stuck.

Cindi and her husband tried to hold on to some sense of stability by continuing to make payments on their house, despite having to bear the cost of her needed treatments at the same time. The bank could have accepted the payments that they tried to make. They could suspend their payments for a period of time and just tack on interest.

Wells Fargo could work with the Davis family, still make money off of the loan and allow the family to stay in their home. But they don't want that. Instead, they're foreclosing on them. If the succeed, it will mean that all of the payments that the Davis' have already paid would be money down the drain. The bank would have their previously paid payments and the house. Doesn't that sound like a pretty sweet deal for the bank? I think so! It's unconscionable and the Davis family would be homeless, but why would that be a problem for Wells Fargo? They can simply re-sell the home and sucker yet another family into a mortgage they may never be able to pay off.

The Davis' are already struggling to afford Cindi's treatment. If Wells Fargo takes house, then they won't have to make any more mortgage payments. That should make it easier to afford her treatment right? Wrong! Anyone who has ever had to live out of a motel room for an extended period of time knows how much more expensive it is than when you're in a home.

There's no stove, so you have to eat out for each meal. There's no privacy. "Room Service" comes in whenever they want to. There's no storage space. So, if you have any belongings you're trying to hold on to until you get back on your feet (e.g. your great-great grandmother's dining table, your bed, your pots and pans, a refrigerator, washing machine, stove) they have to be put in storage. Unless you have a friend whose willing to allow you to keep this stuff on their property for an undefined period of time, you will have to pay for storage space. The more stuff you try to hold on to (so that you don't have to spend money buying it all again, if you do find an apartment or house to rent), the more you'll have to pay to store it. If you keep fewer possessions, your storage fee will be cheaper, but it may wind up costing you more in the end, because you'll need money to replace those items if you find another home.

I hope that anyone reading this will now understand how easy it is for someone to find themselves living on the streets for years, just because you or your partner made the mistake of getting sick in the United States of Hellmerica.

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