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Metlife/long Term Disability

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Please no negative comments. I know I made a mistake and I’m paying dearly for it- Due to my brain fog issues (Among other health issues) I signed a contract with an LTD attorney apparently indicating that they would keep about 33% of any PAST monies recovered if they won my appeal with MetLife LTD. They were able to win on my behalf and kept 33% of money recovered. They recovered close to $18k and kept close to $6k which I felt was fair. I did not realize contract indicated they would keep 33% of any past AND future monies received from MetLife. I signed a document allowing MetLife to send attorney direct deposit. I thought it was for the money MetLife was going to send after winning appeal- NOT ongoing. I receive about $2400/month from MetLife but since it’s sent to attorney first, they keep about $800 and send me about $1600. I’m NOT making ends meet which aggravates my health conditions. My water was shut off last week and I had to borrow money from a relative to get it turned back on. My electricity is going to be shut off the end of December. I tried making a payment arrangement with the electric company and they said that due to my poor payment history, I am not a candidate. I tried pleading with the attorney to at least reduce the percentage that is being deducted- she claims it’s because I still owe attorney fees but I don’t know how much. She said she was going to talk to her partners and get back to me. Nothing. I called her back and she is not returning any of my calls. She was really good at returning calls prior to this. I’m not only sick physically, but I’m exhausted mentally and feeling very overwhelmed. I wanted to write her an email but I don’t know how to word it so that I don’t end up shooting myself on the foot. This legal stuff freaks me out. I’m going to try to add screenshots of the contract but I’m not very tech savvy. I’m a woman on her 50’s who lives alone , has maxed out all of my credit cards, getting food from the local food pantries and who has not been able to pay her monthly health insurance premium for the month of December due to lack of funds. If you read this entire post, I thank you from the bottom of my heart ❤️.

submitted by /u/SiboConstipated_Hell
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