Hi. My ability to handle money is horrible. When I was able to work, I was a massive spender. Two years ago, a man scammed me out of $23K. Now I am broke and have a disability check from my last employer. I'm still giving money away to people I think are my friends. I get taken advantage of all the time. My bills (car, phone, car insurance, Internet) are all behind.

My doctor suggested I get a payee. I researched one agency that does this, and they have a good record. My mother doesn't want me to do this since she thinks I will be ripped off. Have any of you had a representative payee/conservator?