When my mom broke her hip and ended up in a nursing home, we had hopes of her coming back to our house to live (where she was before the fall). I knew that at some point if she didn't come home, the nursing home would be getting her SSI check as applied income. I was also told to not hand it over to the home until the state told me to do so. Well the state told me to in November, but also said I had to pay retro beginning the previous July. I had no clue and had used the money to continue to pay her share of the rent and to help us out financially. So the debt that happened is quite substantial. I work in a group home so I have very little money and my husband is on disability. I was just contacted by a lawyer for the home (my mom is still there and they are getting paid now). I have offered to pay it back at $100 a month because even that is a stretch. I don't know if they will accept that or not. I have been considering filing for bankruptcy for other debts I have and am wondering if I would be able to include this debt? If anyone has any helpful advice I would surely appreciate it. Had I known they could require me to relinquish her SSI retroactively I never would have used it.