Late HOA Fees and on SSI Disability
I'm on SSI Disability due to digestive problems (chronic/acute pancreatitis, hiatel hernia, gastritis, gastroperesis, and gall bladder disease) and cervical to lumbar back problems, from a car accident, which I have nerve damage and displaced discs.
I was not able to work for about 11 months, because of being sick all the time from my digestive problems and either being in the hospital or constantly having tests done in that time period. I have spent all my savings to keep my bills up, but that ran out about 4 months ago, which is why I'm late on both phone, electric, and my HOA Fees. I have been in contact with everyone about my situation, and am trying to catch up. I've now had a stent put into my pancreas and I feel better now, so I was able to look for work.
I now have a part time job which I started 3 weeks ago, along with my SSI income.
I am 4 months behind on my HOA payments (total of approximately $800.00 + $100.00 attorny's collection fee)so my Property Management office turned my case over to the HOA Association's attorney which I received a letter on March 8, 2011 notifying me that the attorney is acting as a debt collector. I have talked to the lawyers paralegal assistant(s), explained my situation and am trying to come up with a payment plan to pay back these fees as fast as I can.
Can a lien be put on my home, if I start making payments even if they are partial, until I catch up on everything. because my SSI has been reduced since I've gotten a part-time job, and the combined incomes, don't quite make my monthly budget, which is minimal because I'm budgeting my finances as best as I can. Also because of this I have been selling jewelry, my coin collection, my stamp collection, and other household items.
I'm not planning on selling or moving for at least 5 years. I'm also considering filing for Chapter 7 because of credit card debt and don't think I'll ever be able to pay the amounts I owe, because I don't know what's going to happen with my digestive situation. I'm still being treated and am still getting tests done to figure out what the problem(s) are.
I live in Florida.
Thank you in advance for any information, I can get to help me with this situation.