I have a mental illness. I had mental illness all my life. In fact, in 2008 I wrote a suicide email and emailed it to local news station.
In 2009, I was diagnosed with bipolar personality disorder and ADHD.
In 2010, I borrowed a lot of money to remodel the house. The first mortgage on mom’s house was paid off.I got talked into doing more and more for the house.
In fall of 2010, I got laid off from work, it was due to could not concentrate, could not stay on task, and too much time off. I had gotten worse. I was in the hospital about 6 times.
The sheriff department came out to house because of my suicide threats. When I went to the vocational rehabilitation service a year ago, I was told I was unstable. I went through the approval process of disability fairly quick . It took me about 3 months to get approved.
I had a roommate /Power of Attorney that took advantage of me. He influenced me (one that has been unstable) to buy for him. I was easily influenced. For someone that has had “issues” all my life, no treatment most my life, easily influenced, affected schooling, affected me getting laid off, My point is my mental illness has affected my entire life, my school. my work, my relationships with people and the ability to always make good decisions.
A part of bipolar is over spending, being easily influenced ,mood swings, and …how can getting a loan be not part of mental illness when i had such a history? With my history and being unstable and being paranoid , could not my debt be caused by my mental illness? If so , how could I get loan discharged?
Do You Have a Question You'd Like Steve to Answer? Click Here.
You are absolutely right. It is a common problem of debt being run up during the manic phases of a bipolar swing. I’ve seen it happen many times over the years.
I’m not exactly clear on what loan you are asking if it is able to be eliminated. Can you clarify that for me please?
From your question I am assuming you also have some amount of credit card or installment debt from being influenced to make purchases for others. Again, a common symptom and side-effect of bipolar issues.
Let me know how much debt you have and what kind of debt it is by posting your responses and follow-up messages to me on this in the comments section below.
Also, is your previous mental illness under control now and are you under the care of a mental health professional or doctor at this time?
Get Out of Debt Guy - Twitter , Facebook
If you have a credit or debt question you'd like to ask just use the online form .