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I. How We Work in Washington. Based on your preferences, we provide you with information about one or more of our contracted senior living providers ("Participating Communities") and provide your Senior Living Care Information to Participating Communities. The Participating Communities may contact you directly regarding their services. APFM does not endorse or recommend any provider. It is your sole responsibility to select the appropriate care for yourself or your loved one. We work with both you and the Participating Communities in your search. We do not permit our Advisors to have an ownership interest in Participating Communities.
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Do you hear yourself? If you're being paid too much to get food stamps, then you have income and can work with it. No, you may not be able to get a lovely rent in a great part of town for cheap. Join the club.
At your age you would qualify for senior (age 65 and over) housing. The rent amount is based on an income sliding scale. The tenant's income determines how much rent they pay. Usually these places are pretty nice and the utilities are included in the rent. They also don't hold having bad credit against a senior trying to get in. Your state's Department of Social Services can help you apply for apartments in such a senior community.
You will be paying a higher rent after you sell the house if you get into a senior complex that bases rent on an income sliding scale until your income goes down.
As for your credit being ruined. Why would you think your credit card debt should be forgiven? No one else in the world gets theirs forgiven, but you thought yours would be? Pay off what you owe from the sale of the house. It will be the best thing you could do because your credit will be restored.
Social Services may be able to help you find low income housing. At this point you will need to take what you can get. Depending on your income, you maybe able to get Medicaid for health insurance.
Remember, any debts in your partners name are not yours. Do not pay them.
If you have poor credit, you're more likely to be able to rent an apartment or room from a small landlord, and not a large complex.
As the larger complexes have stringent rules about income amounts.
If it was me, I'd do everything I could to keep the house. If not, then I'd sell it and would rent a room from someone in a nice area. Get settled, and then work diligently on improving my credit, making sure I had a steady income and would then work towards obtaining my own apartment in the future.