hi gennie,sorry i dont have any advice but just to let you know that someone here is listening.as you have read from my post and how you responed to my, you to know what and how my situation is very similar to yours.just met a lady in my church who asked for our prayers.when she began to tell her story it was what we all are going thru .its her knee she having problem with but all the red tape she going thru and being denied this and that .she worried about her finances.now checks or money coming in.how many of us are out there who are hurting and have no one to turn to who can help us.....all i have is "the good lord" my faith and the good people here.like "Gennie",Rlj1959,and of course "LegalMania"