Without a doubt about SSI & credit debt

Without a doubt about SSI & credit debt

I presently get SSI (i am a grownup and I also reside in VA) and have always been having troubles making my bank card re payment each thirty days now due to the interest. I’ve seen on other internet internet web sites that it is okay if a household users takes care of the card for you personally should they directly spend the lender and never supply the cash for you, that it’ll perhaps not affect your SSI. Ended up being wondering if there is any truth for this? I would personally instead maybe perhaps not register ruin and bankruptcy my credit. Many Thanks!

Hi here, i am sorry to listen to that! Some forms of help that exist from loved ones count as “in-kind help and maintenance”(ISM). I am not completely certain that a member of the family having to pay a credit vehicle bill matters as ISM, you might speak to your SSA that is local office this, they may be able better simplify if this sort of help could be considered ISM.

I experienced 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 We had simply read previous by Veronica (not verified today)

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

My adult daughter receives SSI for her impairment. I will be her Payee. She received a classic 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 got a couple of old medical bills that she will spend, and my booklet claims she can purchase household furnishings, appliances, clothes, etc.

Can she reimburse me for travel cost of transporting her to her medical practioners ( these are typically 140 kilometers circular journey and she’s got serious epilepsy and cannot drive herself). ?

Can she reimburse me personally of other costs like investing in her dogs knee surgery last thirty days? Or using her to Mayo Clinic and https://personalbadcreditloans.net/reviews/check-city-loans-review/ Cleveland Clinic 36 months ago?

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

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

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

I’m disabled by both Federal and State and getting SSI, meals stamps, medicaid medical health insurance. We have 3 outstanding cc balances of about 3k each. I simply havent been paying because We couldnt any more. cc business is using us to court, how to handle it? No asssets are had by me or resources.

In respond to i’m disabled by both Federal by Anonymous ( perhaps maybe not verified)

Hi Gigi, i am not quite certain, as creditor rules differ by state and would influence your instance.

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

I have met having an advocate lawyer (cost-free if you ask me) to aid me personally with my personal credit card debt. The lawyer said that I do not have almost anything to be concerned about because i am judgment proof. SSI can’t be garnished, sufficient reason for having said that, credit card issuers will be unable to have any court in the us to garnish your SSI. The credit card issuers may attempt to sue you, however they will not be in a position to touch your SSI. The lawyer informed me that i ought to wait for credit card issuers to sue me then seek bankruptcy relief. Find your nearest state appropriate help advocate!

We inhabit brand New Hampshire if it really helps to provide response to my previous concern?

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

Hi Gigi, we are perhaps maybe not professionals in creditor legislation, therefore I’m uncertain the advice you could be given by me in this situation will be specially helpful.

We have a concern can my cousin spend the pay back money to their credit debt on their direct express card?

In answer i’ve a relevant concern can my by Marcus ( maybe not confirmed)

He may have the ability to, but make certain he checks in utilizing the SSA first.

Have always been we permitted to make credit debt re re payments with SSI? i will be considering getting a GAP card to purchase garments (I cannot otherwise afford garments), I quickly will have to pay the bill off month-to-month. I wish 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 are now living in Georgia, if that information is necessary.

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

It can be used by you for clothes. Nevertheless, because you’re getting a store charge card, I would personally in recommend checking aided by the SSA before doing that. Better safe than sorry.

In answer Hi, by Adam ( maybe not confirmed)

I have a few bank cards, and We pay my credit cards with my SSI. I’ve never ever gotten into any difficulty for the. Nevertheless, used to do ask Social safety about making use of bank cards, plus the security that is social said it is okay to possess and make use of charge cards so long as the charge cards create financial obligation you need to and want to repay, and it is definitely okay to create month-to-month charge card re payments with SSI. You can also get that loan, a payday loan, if not a cash loan being on SSI; once again, it’s to produce a financial obligation you need to and want to pay off to the creditor(s). Consequently, you’ll go right ahead and pay your credit cards along with your SSI without having any concern yourself with it inside your SSI. You need to be careful never to become deep in personal credit card debt in which you find yourself maybe not having sufficient $ to help make the minimal payments.