Let me make it clear about SSI & credit debt

Let me make it clear about SSI & credit 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 re payment each month now due to the interest. We have seen on other web web sites that it is okay if a household users takes care of the card for your needs when they straight pay the lender rather than supply the money for you, that it’ll maybe not affect your SSI. Ended up being wondering if there clearly was any truth for this? I would personally instead maybe perhaps maybe not register ruin and bankruptcy my credit. Many Many Thanks!

Hi here, i’m very sorry to listen to that! Some kinds of support as possible get from household members count as “in-kind maintenance and support”(ISM). I am maybe perhaps perhaps not completely certain that a member of the family paying a credit vehicle bill matters as ISM, you might speak to your neighborhood SSA workplace regarding this, they could better make clear if this kind of aid 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, that could be the way it is, it may possibly 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 impairment. I will be her Payee. She received a bond that is old her grandmother for more than 12, 000. I will be told that she must down spend that money to maintain her eligibility.

She’s got 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 medical practioners ( these are typically 140 kilometers circular trip and she’s got serious epilepsy and should not drive herself). ?

Can she reimburse me personally of other costs like spending money on her dogs leg surgery month that is last? Or using her to Mayo Clinic and Cleveland Clinic three years ago?

Is there limits how much she can spend on clothes, furniture, etc.?

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

Hi Jill, Payee reimbursements are a cost, nevertheless they are on a specific things for certain forms of payees. You may like 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 spending because I couldnt any more. cc business is using me personally to court, how to proceed? We have no asssets or resources.

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

Hi Gigi, i am not really certain, as creditor rules differ by state and would impact approved cash loans payment plan your instance.

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

I have met with an advocate lawyer (cost-free in my experience) to greatly help me with my personal credit card debt. The lawyer said that I do not have almost anything to bother about because i am judgment proof. SSI cannot be garnished, sufficient reason for having said that, creditors won’t be able to obtain any court in the us to garnish your SSI. The credit card issuers may attempt to sue you, nevertheless they will not be in a position to touch your SSI. The attorney informed me that i ought to wait for credit card companies to sue me personally then seek bankruptcy relief. Find your nearest state legal help advocate!

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

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

Hi Gigi, we are maybe maybe perhaps not specialists in creditor legislation, thus I’m unsure the advice i really could offer you in this scenario could be particularly of good use.

I’ve a concern can my cousin pay the pay back money to their credit debt on their direct express card?

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

He might manage to, but ensure he checks in aided by the SSA first.

Have always been we permitted to make credit debt re re payments with SSI? i will be contemplating getting a GAP card to get clothing (we cannot otherwise pay for garments), I quickly would have to spend the bill off month-to-month. I would like to know 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 ( not confirmed)

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

In reply to Hi, by Adam ( maybe perhaps maybe not confirmed)

I’ve a few bank cards, and We pay my credit card debt with my SSI. We have never ever gotten into any difficulty for that. Nonetheless, i did so ask Social protection about utilizing bank cards, therefore the social safety rep said it is okay to possess and make use of bank cards so long as the charge cards create financial obligation that you must and want to repay, and it’s definitely okay in order to make month-to-month bank card re re payments with SSI. You may also get that loan, a payday loan, and sometimes even a cash loan being on SSI; once again, it’s to produce a financial obligation that you must and want to pay off in to the creditor(s). Consequently, it is possible to go right ahead and spend your credit card debt along with your SSI with no concern yourself with it inside your SSI. You should be careful never to become deep in personal credit card debt for which you wind up maybe not having sufficient $ to help make the payments that are minimum.

Comments are closed.