Hello, My name is Vince and I am almost 72 years old and in rather poor health. I spend my days in a wheelchair in front of my laptop looking for a job. Seems that no one wants to hire someone my age who is stuck in a wheelchair. I am actively seeking employment but real work from home jobs are seldom real.
Not once in my life did I ever think I would be where I am today. My income is solely from Social Security and the only job my wife, who has a Masters Degree in Business Administration, Public Administration, Human Resources and Marketing, could find pays $11.00 per hour and is 40 miles from our home. Our house payment is $1300 and the mortgage balance is twice the current value. We considered selling but found that an apartment would be about $1100 and we would lose the interest deduction on our taxes.
Here’s the problem:
In 1990 I applied for a Discover credit card to be used to purchase equipment and supplies to be used exclusively for business. At that time I was single/widowed and lived alone. About 3 weeks later I received the card. When I called to activate the card I was offered something they called their Payment Protection Plan. They told me the cost was about 1% of my current balance. I asked what that was and was told if I became unemployed or suffered a medical problem or became handicapped, the plan would stop interest charges and require no payment until I was able to find a job and/or recovered from my physical disability. In 2008 the company I was contracting with went out of business. I filed for the coverage and it was activated for 2 months. When I became aware I called and it was activated for about 4 months and stopped again. This on again off again situation went on for awhile.
In 2012 I became disabled and am now stuck in a wheel chair.
In November of 2014, Discover Band sued me for $14,000.00 plus Attorney’s fees. I tried to fight the suit with a countersuit asking that if Discover was unwilling to fulfill their obligation that I would accept a refund of the payments for Payment Protection, apply that refund to the outstanding balance and keep any balance leftover. Unfortunately, I was unable to hire an attorney and had to file everything myself.
On July 26, 2015 I was told that Discover Bank had been granted a summary judgment of $21,000.00 which included almost $7,000.00 in attorney’s fees.
I am not sure what happens next but I think they will garnishee my wife’s check which will cause the loss of our home and possibly the loss of her job.
I have prayed for an answer, asked everyone I know and no one seems to care.
In the past, I have always gone out of my way to be there when someone needed help. Even today, My wife and I volunteer for our local food bank with me writing grant applications, maintaining their computers and sourcing food donations and my wife keeps the records and works on distribution days. All together we manage to feed 700+ people twice a month. That we will continue as long as we live in this area. I will provide any documentation you may need. Perhaps there is an attorney licensed in Nevada that may be willing to provide some help.
It is my hope that some who have been blessed with success will find this and choose to answer our prayers. I realize that this is a lot of money but I don’t know what to do. What I do know is the loss of our home or my wife’s employment which would lead to the loss of our home would be devastating. Please consider helping us overcome this problem. My wife and I would be forever grateful for any help you may provide.
I have added pictures of our home and family.