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Let me make it clear about SSI & personal credit card debt

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Let me make it clear about SSI & personal credit card debt

We presently get SSI (i am a grownup and I also are now living in VA) and have always been having issues making my bank card re payment each now because of the interest month. I’ve seen on other web web sites it’s okay if a family group people takes care of the card for your needs when they directly spend the financial institution rather than provide the cash for your requirements, so it will maybe not affect your SSI. Had been wondering if there clearly was any truth for this? I might instead perhaps perhaps not register bankruptcy and ruin my credit. Many Many Many Thanks!

Hi here, i’m very sorry to know that! Some kinds of help that exist from loved ones count as “in-kind help and maintenance”(ISM). I am maybe maybe perhaps not completely certain that a member of family having to pay a credit automobile bill matters as ISM, you might want to contact your SSA that is local office this, they could better make clear if this kind of help will be considered ISM.

We had simply read previous that if a family member pays your credit card debt than that counts as an income to you and could be deducted from your SSI today

In answer I experienced simply read previous by Veronica (not verified today)

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

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

She’s several check into cash loans customer service old medical bills that she will spend, and my booklet claims she will purchase home furnishings, devices, clothes, etc.

Can she reimburse me for travel cost of transporting her to her medical practioners ( they’ve been 140 kilometers trip that is round she’s serious epilepsy and cannot drive herself). ?

Can she reimburse me of other expenses like spending money on her dogs knee surgery final thirty days? Or using her to Mayo Clinic and Cleveland Clinic 36 months ago?

Is there limits on what much she can invest in clothes, furniture, etc.?

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

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

I’m disabled by both Federal and State and receiving SSI, meals stamps, medicaid medical insurance. We have 3 outstanding cc balances of about 3k each. I simply havent been having to pay because We couldnt any further. cc business is using us to court, how to proceed? We have no asssets or resources.

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

Hi Gigi, i am not really yes, as creditor guidelines differ by state and would influence your case.

In respond to i’m disabled by both Federal by Anonymous ( not confirmed)

I have met having an advocate lawyer (cost-free for me) to aid me personally with my personal credit card debt. The lawyer explained that I do not have any such thing to concern yourself with because I’m judgment proof. SSI can’t be garnished, along with that said, creditors will never be able to have any court in america to garnish your SSI. The credit card issuers may you will need to sue you, however they defintely won’t be in a position to touch your SSI. The lawyer informed me that i ought to wait for credit card issuers to sue me personally then file for bankruptcy. Find your state that is nearest appropriate help advocate!

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

In respond to I reside in brand brand brand New Hampshire if by Anonymous (Gigi) ( maybe perhaps not confirmed)

Hi Gigi, we are maybe not professionals in creditor legislation, therefore I’m unsure the advice you could be given by me in this scenario could be specially useful.

We have a concern can my buddy pay their personal credit card debt aided by the pay off cash on his direct express card?

In respond to i’ve question can my by Marcus ( 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 am considering getting a GAP card to get garments (we cannot otherwise manage garments), I quickly would have to spend the balance off monthly. I wish to understand if i need to utilize my SSI strictly for lease, resources, and meals, or if perhaps i am legitimately permitted to make use of a part from it which will make minimal monthly obligations on credit debt. Many thanks. We are now living in Georgia, if that info is necessary.

In answer Hi, by Adam ( maybe maybe not confirmed)

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

In answer Hi, by Adam ( maybe perhaps not confirmed)

I’ve several bank cards, and We spend my credit cards with my SSI. I’ve never ever gotten into any difficulty for that. Nonetheless, used to do ask Social protection about making use of bank cards, while the security that is social said it is ok to own and make use of bank cards provided that the bank cards create debt you need to and want to pay off, and it is definitely okay in order to make month-to-month bank card re re re payments with SSI. You can also get that loan, a pay check loan, and even a advance loan being on SSI; once more, this has to produce a financial obligation you need to and want to pay off in to the creditor(s). Consequently, it is possible to go on and spend your credit card debt together with your SSI without the bother about it inside your SSI. You should be careful to not wind up deep in personal credit card debt where you wind up not having sufficient $ to help make the payments that are minimum.