Frowns :- ( and smiles : ~)

So which one should I start with?
Looks like the smiles have it, since this cartoon instantly attracts the eye. Just another twist on the toilet paper theme that has been floating around in the blogosphere after Sheryl C's "one sheet of TP" remarks last month...T
I didn't post anything last night. I was bummed out because we got some (here's the frowny part) bad financial news in the mail yesterday.
It's a long story that goes back many years, but I'll attempt to sum it up without putting any of my blog friends to sleep.
The quickest way to sum up the problem would be to just say HELP!!!!!!!
But that wouldn't be productive, or therapeutic. But telling some of our story may make me feel better.
My husband has a form of muscular dystrophy and is considered 100 percent disabled. He uses a power wheelchair, and drives a gas-guzzling, un-politically correct, modified full-size van.
It's the only way he can get around. In the past our efforts to get him transferred into the passenger seat of my small economy car when the van had to have some work done on it have not been easy. Or pretty.
That said, Ralph works full-time and does a good job at what he does (I really don't understand what he does, but it is in the aerospace industry).
He is active in our church, and is even a deacon and periodically shares distribution of communion duties.
Ralph has had periods of unemployment and periods of working temporary jobs, some really good, some not so much. He has had to go on Social Security Disability Insurance, but is not on it now. There are problems with SSDI that I won't mention here, but let's just say that they tell us we owe them some money. And yesterday we were informed that the government took our income tax refund to "apply" toward what we allegedly owe the SSA.
I was counting on that money to put toward bills that are piling up.
We are not happy about this, and are wondering if it's time to look for an attorney.
Any thoughts?