Financial concerns of those 55 and older discussed.

My partner Lentcen Roig and I had this great conversation with host Doug Theaker of “I Love My Job” on television station WMFD  Channel 15 on Time Warner locally.

The discussion specifically addressed financial concerns of those 55 and older. We talked about the viability of reverse mortgages, transfer/pay on death documents to avoid probate, and advance directives so others may assist if necessary. We especially focused on financial issues related to retirement such as the timing of mortgage modifications, drawing one spouse’s social security first, not working right away until you change your circumstances after your initial retirement. We have been getting some totally awesome mods on mortgages and timing it all out with bankruptcies and foreclosures and removals of tax liens.

The show has aired and you can see it on WMFD TV website “Watch shows at WMFD” On that page scroll down to the Feb. 18 broadcast featuring Lentcen and me. Lots of good information!

Pay less for your prescriptions!

Go to this site: Needymeds – To properly utilize this site, go to the “overview” webinar which can be found here.  The site is further useful for those who fall through the cracks of earning too much for traditional assistance and being able to afford to private-pay for medical treatment.  Even a family of four with an income of $90,000 may be eligible.  Some Rx through private insurance are more expensive than using discounts through this site.  You can also compare pharmacies for a generic form of Plavix Rx such as $15 at Costco vs $180 at CVS, per a Consumer Report article.  You can also check out Goodrx.

May your holidays be merrier!

In the spirit of the holiday seasons, I hope that some of you may benefit from the following:

Free stuff for seniors 60+:  Free mattress, box spring, refrigerator, stove, and other appliances or up to $500 are being given out by Area Agency on Aging for any senior 60 years or older, regardless of income.   Must be a resident of Ashland, Crawford, Huron, Knox, Marion, Morrow, Richland, Seneca or Wyandot counties, Ohio.  Call 800.860.5799 or 419.524.4144 or access online at Area Agency on Aging.  They are open from 9 a.m. to 5 p.m.  I’d call them ASAP.  Quantities limited, expires 12/31/2014.

For everyone,

  • Catholic Charities in Mansfield, Ohio has funds remaining this year for payment of medical expenses, medication, medical supplies or equipment for those struggling financially.  Contact them at 419.524.0733 or access online at Catholic Charities.
  • Access the website Need Help Paying Bills and then plug in the State & local program for your locale.
  • If you are too embarrassed to see for what you qualify as far as financial assistance in Ohio, check out this site:  Ohio Benefit Bank or for non-ohio residents, go to The Benefit Bank.  Get info from job and family services, Obamacare, etc.


“I Love My Job!” interview with Doug Theaker on WMFD-TV

Brian Flick of Mills Mills Fiely & Lucas, a state-wide Ohio firm, and I talked to Doug Theaker of WMFD-TV recently about debt relief.  Brian and I have been working together on cases for the last few years based upon our common training from Max Gardner, a SuperLawyer for Bankruptcy-related law.  Most lawyers are either foreclosure defense or bankruptcy but Brian and I focus on both types of law, which result in highly favorable results for our clients.  Here is that program:  (You may need to give the video program permission to run on your browser.)