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Let me make it clear about SSI & credit debt

ژانویه 23, 2021 در 11:24 ق.ظ توسط

Let me make it clear about SSI & credit debt

We presently get SSI (i am a grown-up and I also are now living in VA) and have always been having issues making my bank card re re payment each now because of the interest month. I have seen on other web sites that it is okay if a household people takes care of the card that it will not affect your SSI for you if they directly pay the bank and not give the money to you. Ended up being wondering if there is any truth for this? I would personally rather perhaps maybe perhaps not register bankruptcy and ruin my credit. Thanks!

Hi here, i am sorry to know that! Some kinds of help that exist from household members count as “in-kind maintenance and support”(ISM). I am perhaps maybe not totally certain that a member of family having to pay a credit automobile bill matters as ISM, you might want to speak to your neighborhood SSA office regarding this, they could better explain if this kind of help is considered ISM.

We had simply read previous today that when a relative will pay your personal credit card debt than that really matters being an earnings to you personally and may be deducted from your own SSI

In respond to I experienced simply read previous today by Veronica (maybe not confirmed)

Hi Veronica, which may be the way it is, it might be an idea that is good contact the SSA regarding this if this is one thing you and a member of family are organizing.

My adult daughter receives SSI for her impairment. I will be her Payee. She received a vintage relationship from her grandmother for more than 12, 000. I will be told that she must spend that money down to maintain her eligibility.

She’s several old medical bills she can buy household furnishings, appliances, clothing, etc that she can pay, and my booklet says.

Can she reimburse me personally for travel cost of transporting her to her health practitioners ( they’ve been 140 kilometers trip that is round she’s got serious epilepsy and should not drive herself). ?

Can she reimburse me personally of other costs like investing in her dogs leg surgery final month? Or using her to Mayo Clinic and Cleveland Clinic three years ago?

Is there limits how much she will devote to clothes, furniture, etc.?

In respond to My adult daughter gets by Jill ( maybe perhaps not confirmed)

Hi Jill, Payee reimbursements are a cost, nevertheless they are limited to specific things for certain kinds of payees. You might wish to contact the SSA regarding this.

I’m disabled by both Federal and State and receiving SSI, meals stamps, medicaid medical health insurance. We have 3 outstanding cc balances of about 3k each. I recently havent been having to pay because We couldnt any further. cc business is using me personally to court, what direction to go? No asssets are had cash store loans title loans by me or resources.

In answer i’m disabled by both Federal by Anonymous ( perhaps maybe not confirmed)

Hi Gigi, i am not quite yes, as creditor laws and regulations differ by state and would impact your instance.

In answer i’m disabled by both Federal by Anonymous ( perhaps not verified)

I have met with an advocate lawyer (cost-free for me) to simply help me with my personal credit card debt. I was told by the attorney that I do not have almost anything to be worried about because i am judgment proof. SSI can’t be garnished, sufficient reason for having said that, credit card issuers won’t be able to have any court in america to garnish your SSI. The credit card issuers may make an effort to sue you, nonetheless they defintely won’t be able to touch your SSI. The lawyer informed me that i ought to wait for the credit card issuers to sue me personally then seek bankruptcy relief. Find your state that is nearest appropriate help advocate!

We are now living in brand New Hampshire if it helps you to provide response to my past concern?

In answer I are now living in brand brand New Hampshire if by Anonymous (Gigi) ( maybe perhaps not confirmed)

Hi Gigi, we are maybe maybe not specialists in creditor legislation, and so I’m not sure the advice you could be given by me in this situation will be specially of good use.

I’ve a concern can my buddy spend their credit debt with all the pay off cash on their direct express card?

In respond to We have actually a relevant concern can my by Marcus ( maybe perhaps maybe not confirmed)

He may have the ability to, but be sure he checks in because of the SSA first.

Have always been we permitted to make personal credit card debt re re payments with SSI? i will be considering getting a GAP card to get garments (we cannot otherwise pay for garments), I quickly would have to spend the bill off monthly. I do want to understand it to make minimum monthly payments on credit card debt if I must use my SSI strictly for rent, utilities, and food, or if I’m legally allowed to use a portion of. Many thanks. We reside in Georgia, if that info becomes necessary.

In respond to Hi, by Adam ( maybe maybe not confirmed)

It can be used by you for clothes. But, as you’re getting a shop bank card, I would personally suggest checking in with all the SSA before doing that. Better safe than sorry.

In respond to Hi, by Adam ( perhaps not confirmed)

I’ve a few bank cards, and We spend my credit card debt with my SSI. We have never ever gotten into any difficulty for the. Nevertheless, used to do ask Social safety about utilizing bank cards, additionally the security that is social said it really is okay to possess and make use of bank cards so long as the bank cards create financial obligation that you must and want to pay off, and it is definitely okay in order to make monthly bank card re re payments with SSI. You can also get that loan, a payday loan, and sometimes even a advance loan being on SSI; once more, it offers to generate a financial obligation you need to and want to pay off in to the creditor(s). Consequently, it is possible to go right ahead and spend your credit card debt together with your SSI without having any be concerned about it inside your SSI. You need to be careful never to wind up deep in credit debt where you find yourself maybe not having enough $ to really make the minimal payments.

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