Without a doubt about SSI & credit debt
We presently receive SSI (i am a grownup and I also are now living in VA) and am having troubles making my charge card re re payment each thirty days now due to the interest. I’ve seen on other internet web web sites it’s okay if a family group users takes care of the card for you personally when they straight pay the lender rather than provide the cash for you, it will maybe not affect your SSI. Ended up being wondering if there was clearly any truth for this? I might instead maybe not register bankruptcy and spoil my credit. Thanks!
Hi here, i’m very sorry to know that! Some kinds of support as possible get from household members count as “in-kind maintenance and support”(ISM). I am maybe not totally certain that a relative having to pay a credit vehicle bill matters as ISM, you might contact your SSA that is local office this, they could better explain if this kind of help is considered ISM.
We had simply read previous today that when a member of family will pay your personal credit card debt than that really matters being an earnings for your requirements 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 scenario, it could be a good clear idea to contact the SSA regarding this should this be something you and a member of family are organizing.
My adult daughter receives SSI for her impairment. I will be her Payee. She received an old relationship from her grandmother for over 12, 000. I will be told that she must spend that money down to maintain her eligibility.
She’s got a couple of 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 generally 140 kilometers trip that is round she’s got serious epilepsy and should not drive herself). ?
Can she reimburse me of other costs like spending money on her dogs leg surgery month that is last? Or using her to Mayo Clinic and Cleveland Clinic 36 months ago?
Is there limits on what much she will expend on clothes, furniture, etc.?
In respond to My adult daughter gets by Jill ( perhaps not verified)
Hi Jill, Payee reimbursements are a cost, nevertheless they are limited to particular things for certain forms of payees. You may wish to contact the SSA regarding this.
I’m disabled by both Federal and State and getting SSI, meals stamps, medicaid medical insurance. I’ve 3 outstanding cc balances of about 3k each. I recently havent been having to pay because I couldnt any more. cc business is taking us to court, what direction to go? No asssets are had by me or resources.
In answer i’m disabled by both Federal by Anonymous ( perhaps perhaps not confirmed)
Hi Gigi, i am not quite certain, as creditor laws and regulations differ by state and would impact your instance.
In respond to i’m disabled by both Federal by Anonymous ( maybe maybe perhaps not confirmed)
I have met having an advocate lawyer (cost-free in my experience) to greatly help me personally with my personal credit card debt. The lawyer said that I do not have any such thing to bother about because i am judgment proof. SSI can’t be garnished, along with that said, credit card issuers won’t be able to have any court in the usa to garnish your SSI. The credit card issuers may you will need to sue you, nevertheless they defintely won’t be able to touch your SSI. The lawyer informed me that i will wait for creditors to sue me personally then seek bankruptcy relief. Find your state that is nearest appropriate aid advocate!
We reside in brand brand New Hampshire if that helps you to offer response to my past concern?
In respond to I reside in brand New Hampshire if by Anonymous (Gigi) ( perhaps maybe not confirmed)
Hi Gigi, we are maybe maybe perhaps not professionals in creditor legislation, therefore I’m uncertain the advice you could be given by me in this situation could be especially of good use.
We have a concern can my cousin spend the pay back money to his credit card debt on their direct express card?
In answer i’ve a relevant concern can my by Marcus ( maybe perhaps not confirmed)
He might manage to, but be sure he checks in utilizing the SSA first.
Have always been we permitted to make credit debt re payments with SSI? I will be contemplating getting a GAP card to get clothing (we cannot otherwise pay for garments), I quickly will have to spend the bill off month-to-month. I do want to understand if i need to make use of my SSI strictly for rental, utilities, and meals, or if perhaps i am legitimately permitted to use a percentage from it to produce minimal monthly premiums on credit debt. Many thanks. We are now living in Georgia, if that information is necessary.
In answer Hi, by Adam ( perhaps not confirmed)
You can make use of it for clothes. But, because you’re getting a shop bank card, i’d suggest checking in with all the SSA before doing that. Better safe than sorry.
In answer Hi, by Adam ( perhaps maybe perhaps not confirmed)
I’ve several bank cards, and We spend my credit card debt with my SSI. I’ve never ever gotten into any difficulty for the. But, used to do ask Social protection about making use of bank cards, in addition to security that is social said it is okay to possess and employ bank cards provided that the bank cards create financial obligation you need to and want to pay off, and it is definitely okay in order to make month-to-month bank card re payments with SSI. You can also get that loan, an unsecured guarantor loan, and sometimes even a advance loan being on SSI; once again, this has to generate a debt that you must and want to pay off to the creditor(s). Consequently, you are able to go on and spend your credit cards together with your SSI without having any concern yourself with it inside your SSI. You should be careful never to become deep in personal credit card debt in which you find yourself maybe maybe maybe not having sufficient $ to really make the minimal payments.