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Free Counseling For Depression

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Nonprofits, like the Maine Housing Counselor Network and Pine Tree Legal Assistance, have been conducting foreclosure prevention workshops across the state of Maine. They have decided to hold workshops to respond to the rising number of calls received by housing counselors. It is possible that some of the callers are persons who recently lost properties to tax foreclosures.



According to Chet Randall, a staff attorney and member of the counseling nonprofit Pine Tree Legal Assistance, there are counselors willing to help borrowers at risk of foreclosures, both lender foreclosures and tax foreclosures, but there are just too many callers they do not have time to serve everyone in one day.

Randall related that the goal of the workshops is to help attendees decide on which steps to pursue to keep themselves safe from foreclosure. Participants are also given sample letters and documents for them to use as guides when they do their own paperwork. They are also given sheets that describe the steps of the legal foreclosure process. Persons troubled by tax foreclosures can pick up some pointers from these workshops.

Randall and other presenters offer practical tips and instructions during the workshops. Even persons not bothered by lender foreclosures but tax foreclosures can learn from the suggestions. The presenters advise troubled borrowers to ignore individuals and companies offering help for a fee. Borrowers should not be awed when these entities send documents showing they are knowledgeable about their cases and that they have helped a lot of borrowers. Randall said lots of information on pending foreclosures can be taken from court filings open to the public.

The presenters advise attendees to negotiate with the mortgage lenders, even if at first, the lenders seem uninterested and unhelpful. Borrowers should not accept the first offer from the lender if the proposed monthly payment is not affordable. It is an additional blot on one's record if a person signs a modified loan only to default on the second month because the monthly payment is clearly beyond one's means. Similarly for individuals with pending tax foreclosures, their negotiations with tax officials should be realistic.

The workshop held by Randall's organization was the fifth foreclosure prevention workshop held in Maine. Persons troubled not by lender foreclosures but by tax foreclosures could also benefit from the workshops.

To show their support for troubled homeowners, several officials from the Maine State Housing Authority also attended Pine Tree's workshop to help answer questions. Officials representing federal agencies answered questions on the legal steps that mortgage lenders need to follow to proceed with the foreclosure process without violations.
Free Counseling For Depression
However, within these types there are also variations in the symptoms, their severity and duration. Major depression causes symptoms i.e. excessive fatigue, relentless pessimism, hopelessness etc. that interfere with your ability to work, study, sleep, eat, and enjoy activities that were once pleasurable.

This type of depression can be disabling and may occur once but more commonly occurs several times in a lifetime. A less severe type of depression, dysthymia, generates longer-term, chronic symptoms that do not disable, but prevent you from functioning optimally or feeling enthusiastic when you should.

Many also experience major depressive episodes sometime in their lives. Another form of depression is bipolar disorder.

This serious and often devastating disorder is characterized by mood changes that cycle in and out or on and off- severe highs (mania) and lows (depression). Occasionally, the mood switches are dramatic and rapid, but usually they are slower and gradual.

When in the depressed cycle, one can have any or all of the symptoms of depression. When in the manic cycle,however, you may be overactive, over-talkative and manifest too much energy.

Mania often affects your thinking, judgment, and social behavior in ways that cause serious problems, anger and embarrassment. For example, once in a manic phase you may feel elated and full of grand schemes that might range from unwise business decisions to romantic or promiscuous sprees.

Left untreated, this disorder can literally ruin your life and even cause a deterioration into psychosis. Medical treatments typically used, depending on the condition type and severity, include anti-depressant medications, anti-psychotics, psychotherapy and mood stabilizers.

The best psychotherapeutic treatment is cognitive-behavioral therapy which treats how your thinking processes affect your mood and behavior.

Unfortunately, sometimes patients inappropriately drop-out of medication therapy, rather than follow-through because of side effects which could have been ameliorated had they stayed in treatment.

Wonder if you are getting the correct treatment for your depression? The following recommendations are based on a review of the scientific literature regarding the use of psychotherapy, counseling and medication in treating depression.

Take heed:

1.The treatment of first choice for your depression should be cognitive behavioral or interpersonal psychotherapy. This is because of their superior long-term outcomes; they also pose fewer medical risks than using drugs or combined treatments. However, you should consider medications, combined treatment, or other types of psychotherapy if you do not respond appropriately.

2.You should not undergo insight-oriented psychotherapy by itself because studies suggest that it may produce poorer outcomes.

3.It is important that psychotherapy or counseling be included in your treatment program when anti-depressants are prescribed; you are at a higher risk for relapse if you use medication by itself.

Generally, the best results are achieved by the combined use of cognitive-behavioral therapy and medication.

4.Everything else being equal, when starting medication, a single medication administered with psychotherapy should be used.

5.Everything else being equal, when using an anti-depressant, you should use the lowest, safest therapeutic dose for the shortest possible duration. This minimizes the risk that you may experience any possible side effects, cardio-toxicity, potential suicidality or even drop-out of treatment prematurely.

6.If you are hospitalized, antidepressants should be only very cautiously prescribed, especially if you have cardiac vulnerabilities, because of the risk of sudden death.

7.If you have been suicidal, you should take antidepressants only if there is a vigilant monitoring plan in place to prevent over-dose.

8.Everything else being equal, you should be very reluctant to have ant-depressants prescribed for your children because there is no compelling evidence that they are effective for them and little is known about the health risks they pose for this population.

9.Caution should be used in prescribing antidepressants to elderly people because of possible hypotensive and side effect risks.

10.You should avoid taking regular minor tranquilizers alone for your depression because they have resulted in worse outcomes than no treatment at all.

11.It is crucial to hire the right professional for the right task. Clinical psychologists receive most of their training in psychology, counseling and psychotherapy.

Psychiatrists receive most of their training in medicine. Choose a psychologist for counseling and therapy; go to a psychiatrist for medication.
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About Author
Both Joseph Smith & Mike Shery are contributors for EditorialToday. The above articles have been edited for relevancy and timeliness. All write-ups, reviews, tips and guides published by EditorialToday.com and its partners or affiliates are for informational purposes only. They should not be used for any legal or any other type of advice. We do not endorse any author, contributor, writer or article posted by our team.

Joseph Smith has sinced written about articles on various topics from Foreclosure Help, Real Estate and Foreclosure Help. Joseph Smith has been educating buyers on the finer points of purchase at BankForeclosuresSale.com for over four years. Joseph Smith's top article generates over 3350000 views. to your Favourites.

Mike Shery has sinced written about articles on various topics from Addictions, Cure Anxiety and Family. Dr Shery is in Cary, IL, near Algonquin, Crystal Lake, Marengo and Lake-in-the-Hills. He's an expert psychologist. Call 1 847 516 0899 and make an appt or
Can Green Tea Help You Lose Weight
A person using green tea can feel happy in the knowledge that using this product and ginseng they will not have any side-effects to deal with even if they are on a dietary program for half a year
 
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