My mother and father filed chapter 7 bankruptcy in 2000. At 59 years old and already in poor health, my father worked two jobs to keep the bills paid because my mother was unable to work and denied any help what so ever from Social Security. In 2004 my mother passed away due to her health problems. Two weeks later, my father wrecked his car after falling asleep at the wheel coming home from working two jobs back to back. Obviously he had to give up one of the jobs, thus, decreasing the amount of income he had to pay his bills. However, my grandmother lived with him also, contributing what she got from S.S. to help him out. The car he wrecked ended up getting repossesed because even after repairs was made it still didn't drive right so he took the advice of several people and allowed them to come and take it and he invested in a decent vehicle to get him to and from work. While everyone was adising him on the repossesion, they forgot to tell him the very important part about what he will have to pay on the car after they auction it if they end up letting it go for less than what was owed. In January on 2005 my grandmother passed away, dropping him down to one small income, and adding the stress of losing the two women that meant the most to him and 100% of all the bills left on him to figure out how to pay. I myself have tried paying a few of his bills for him just so he could make ends meet but that is causing me to get behind on my own bills. Now he has an attorney calling him about the car, telling him he wants all of the money and he wants it right now. (The attorney seriously doesn't care how he gets it!) I, (being the good, helpful daughter that I'm trying to be) spoke to the attorney with my father's permission and asked if I could make payment arrangements with him and I would pay the outrageous bill that they say he owes. He has refused any kind of payment from me or my father, and has refused to send us anything stating that he refused payment unless made in full and/or why he refused. Obviously since my mother and father filed chapter 7 jointly only 5 years ago, he can't do that again. We have tried debt consolidation loans from several companies and not one of them will touch it unless he hands them money to process it or if he makes around $50,000 a year through his job. He's a 61 year old janitor now that was laid off when the company that he faithfully worked for for 26 years went out of business. (Seriously, I don't see him getting a $50,000 a year job and if he did make that much money he wouldn't be asking for help to lower his payments.) This attorney that is calling his home about the car is now calling his job which is going to result in him getting fired and then ending up homeless, isn't it enough that he can't even afford a loaf a bread!?

Is there anyone out there that can give me any suggestions what so ever about what I can do to help my father before he ends up laying next to my mother at the cemetary? I've lost two in less than a year, I'm not looking forward to a third!