I have money in the bank that equals my credit card debt I've sadly built up while unemployed due to back and knee surgery and inability to work. I'm on commission, so no sales, no income or salary at all. If you add my debt and cash assets together, I'm bankrupt but you can't declare bankruptcy for credit cards, nor do I want to. It's my debt, I have to find a way to pay it off hopefully when I'm well again to work at which time, I probably won't qualify for Medicaid any longer either. But income wise I continue to today. I just turned 65 and got Medicare and don't have an 18 year old or younger in my home. I was getting Medicaid from the NYState Marketplace until this happened. Their rules state that I must now get Medicaid with my Local Dept of Soc. Services. The Marketplace never asked about assets on hand, and the application for LDSS does, but not about corresponding debt or even write offs, so I'm concerned if I'll lose my eligibility even though I really don't have any money when you factor in my debt. I've read that you can't have more than $2,000 cash and apply for Long Term Care (LTC) but I'm not. Just Medicaid which is used my my Dual Medicare Medicaid Empire Advantage Plan, which I hope I can keep which all depends on having Medicaid and Medicare. The Marketplace transferred my account to LDSS and apparently I was awarded/enrolled in NY Medicaid over from the Marketplace. I just need to submit LDSS's application which is done, but before I send it, I wanted to know about my money in my savings account which is a bit less than my credit card debt. Thank you.