Pathways Client and his NHCO "Cheerleader" Confront Debt Burden

With some critical and creative thinking and our partner organizations' help, Michael is on a trail to happier times.

 Michael is unemployed, disabled, and near financial ruin. Last October, the 60-year-old realized he needed help, so he contacted NHCO North Boroughs Service Coordinator Mick Karolac. Mick oversees our Pathways program, a holistic approach that helps individuals and families achieve stability and self-reliance. Through the past few months, he has been guiding Michael to a better life.

"He's a cheerleader for me," Michael said about Mick. "He encourages me so I don't get discouraged. He helps me."

Michael has multiple sclerosis (MS), a disease that disrupts normal activity in the central nervous system. Because of his condition, he had to leave his job at Giant Eagle. His only income is from the Social Security Disability Insurance program - not nearly enough to cover his bills and debt.

Mick first helped Michael get his late utility bills paid. Then, together, they reviewed his expenses and created a budget. They also figured out a few ways to cut back on bills.

Michael wants to work, but his prospects are limited because of his MS. They're seeking a job at a company that offers a disabilities support coordinator. "That's going to have him more likely to be successful," Mick said.

Michael has a lot of possessions -- his home is very cluttered and weighing him down. The two are looking for ways to sell many of his items, including an assortment of sweaters and jackets. He also has an extensive watch collection, but many have minor breaks and need batteries. Mick will get him a watch repair kit so they can be sold.

"When stuff is getting you down, you gotta throw that stuff overboard. And you gotta bring some joy to your life," Mick said.

Michael is also using other NHCO services, including NHCO's Ask the Attorney program to discuss the possibility of bankruptcy. The program offers a free legal consultation with a lawyer over noncriminal matters.

When Michael finds a job, he'll connect with NHCO's Transportation Assistance program to help stabilize travel to and from work. This might include bus passes, gas cards, car repair, or other means.

 Mick also referred Michael to Anchor Point Community Counseling Services, where he's receiving therapy. While NHCO does not offer mental health services, we have partner organizations that do.

"They've (NHCO) been very helpful. They've helped me a lot. They pulled me out of a downward spiral."

 You can learn more about NHCO's Pathways program at NHCO.org/pathways