I'm so happy I found this channel and I will be calling. I live on $772.00 a month & have No other income and with prices of food rising I can barely afford to eat on the $290.00 a month food stamps I get. I now have some hope, Thank you for all you do!
My mom is 97 and j am 67 it’s amazing how people try to scam us in different ways. Thank God I know about this stuff I went through slot being divorced bankruptcy etc.
What about tenants rights for senior citizens...I'm having a terrible time where I live. Its hard for me to move and I feel so stuck! I did call HELPS to find out my rights. I'm so happy to have been told about this law firm. Thank you for your services!
This can be a very difficult struggle for seniors. Here is a video from Senior Living where these problems are discussed: ruclips.net/video/t4znHYL_kuk/видео.html
Thank you! Things were resolved! We have a new landlord and renovations are being done and I was asked to be manager. I take the rent, hold all keys, and show apartments. In return they won't raise my rent. They plan on raising rents except for mine. Awesome! And thank you for your reply! I'll definitely save the number...just in case!
Seniors should also know to send a cease and desist or any legal paper send it REGISTERED MAIL SIGNATURE UPON RECEIVE OF LETTER. THE COURT WILL WANT TO SEE WRITTEN PROOF OF LETTER AND WHEN IT WAS RECEIVED. Many companies will deny that you ever sent them any letter if it is sent with just a stamp. I am a former bill collector.
Thank you so much...And GOD BLESS YOU FOR YOUR HONESTY IN THIS DAY AND AGE OF PEOPLE WITH NO MORAL COMPASS AND TRYING TO MANIPULATE SENIORS WITH SCARE TACTICS ..I THINK ITS GONE TO HELL ..EXCUSE MY LANGUAGE, NO DISRESPECT TO YOU...I JUST AM SO SICK OF PEOPLE THAT ARE MOSTLY YOUNGER THAN ME THAT HAVE NO INTEGRITY IN THE BUSINESS/ES THEY REPRESENT BY WORKING FOR SOMEONE. THANK YOU FOR LETTING ME RANT ...GOD BLESS US ONE AND ALL...
Does Tennessee have a homestead exemption? The Tennessee homestead exemption protects some of your home equity if you file for bankruptcy. ... If you qualify to use the Tennessee homestead exemption, you can protect some or all of the equity in your house.Jul 20, 2021
I am so happy to hear this program. I am a veteran and I are all areas approximately $4000 now and I have been sending payments due to the pandemic I started sending half the payment instead of the full payment and then I’ll and I sent a letter with that payment and I still heard from them trying to threaten me but I am able to send a payment hopefully I’ll be through with this in a couple of years. I am a 75 now will be 7 to 6 December and as a veteran I really felt like there should’ve been something else that could’ve helped. But this program has really
Does this protection include saving one's credit file score? Even if a creditor agrees to back off as a result of Helps interceding, can't they just ruin your credit so you can't rent an apartment or get utilities? I am finding this to be the case.
Im from kentucky and my social security was not protected i had a loan with lean tjru usda and they garnished and now federal garnishing me i was told they can take anything above 750.00
And m6 biggest is i am trying my best to get permanent custody for grandchildren thats in foster and i cant 1500.00 retainer for a lawyer to help whch both kids got covid and im in ky a judge know my case better and i know i can do it legal aid help grandparent is what i was told but dont know how to come up and and killing me so with heartbreak 8yrold and one over 1 years old as break thats it over money to get my grandchildren can u help or know someone in ky that can 😬
What about the case of a nursing home? My father is terrified that since my mother was admitted to Assisted living after a stroke following surgery. He is paying $6500.00 per month in Ohio for her care and this cannot go on forever.
Hello I called the attorneys office last year for help. I wasn’t able to get a clear explanation at the time, because the attorney was talking over my head. I hope this particular lady is no longer in the office with attorney Eric Olsen. We are working with Optima Tax services, they say they are representing us. Here lately we are being re-evaluated by them to possibly pay more on our debt to IRS. IT WAS NOT UNTIL I MADE A COMPLAINT ON BBB thatOptima is making a settlement offer to IRS. The bother is that they keep asking us for bank statements etc. so much paperwork. Now they are talking about taking a closer look at the equity in our home. As seniors I told Optima tax services that they are harassing us. We really feel this way. I told them I can’t keep gathering all this paperwork in a short amount of time; because I’m the main caregiver for my spouse. How can HELPS help us?
Senior Living has some excellent videos on currently not collectible status with the IRS If you are a seniors depending on your income you may qualify. There are many tax resolution companies that are essentially scams. You can call HELPS with questions. Eric HELPS
Does Tennessee have personal exemptions? For tax years beginning January 1, 2018 and after, individuals 100 years of age or older, or any person who files a joint return and either spouse is 100 years of age or older, are exempt from the tax. Single Filers: A legally blind person is exempt from the Hall income tax.
Senior Living has a video on this topic you can look at. Lower income seniors can qualify for an income based repayment plan and pay $0 per month for student loans Eric HELPS
Just because a D&D letter is sent to a creditor, does that mean they cannot file suit? If they can, does this mean the senior won't be notified, or does this stop any further collection efforts? I am confused. Thanks.
NO they still can file a suit the letter is only for them not to harass you. YOU will be served if a law suit is file, after you are served, you have so many days to answer the law suit only if you contest it which, why would you contest it, knowing you owe the money,after the time is up, they can, and most likely will get a judgment against you
Call the 211 line they will know where you can get help. Or go to you town and see if they have a department that helps in these situations. Many have emergency funs. All is not lost. Take a couple of deep breaths, write down what you need to say so you don’t get confused and call them.
@@annpelrine5992 - Thanks anyway Ann. No matter what time I call - the computer transfers me to "a human" - half an hour later the phone is still ringing with no answer. Been trying for months.
when i got with debt advantage i had to pay 300.00 to get what is called customer to assist and they have me to send letters to them that i get from the the collectors can i not pay debt advantage i had good credit i was not behind when i called them for help i kept getting late payments added on plus interest on my debt i owed chase 4000 or less when i turned it in and now its up to close to 6000
my mom has a condo and town house in chicago and she got hit with a 5k water bill and went to jugment now owes 11 k and she has lotta money in 401k and a lot of redlight carma tickes and mortage and other debts what should she do?
Too much to answer in a reply here. Your mom can call HELPS and go over options. We can always talk to a parent and adult child together by a conference call if that is wanted. Eric HELPS
I allowed family members to live in my house & they ran up utility & sewer bills into the thousands of dollars. I am soon to move back into the house but now have all these unpaid bills! Can the utility companies, etc., attach my SS for those? SS is my only income. I am in St.Louis.
@@HELPSLawGroup Is SSDI disability income? My s-i-l has disability listed as "SSA" as direct deposit on bank statement. She isn't 65 though so would that income be protected?
What I'm concerned about right now are egregious County property tax assessments. People are seeing 50, 100, 300, 400% and much much higher increases right now (2023) Many senior's and disabled people will become homeless (i'm at high risk). We have very little recourse and our property is not protected like with private debts.
There was a woman with a US flag at the capitol building on January 6th and she said her social security was taken away. There are also US veterans who have lost their benefits
@@SeniorLivingOrg From what I heard they did go to jail. There have been investigations and it could take years until this reaches mainstream but the J6rs and independent reporters claim that they were not violent that day. There were agitators in the crowd that are believed to be either FBI or antifa. It was a complete cluster. Contact Mel Hawley
You can always lose a portion of SS benefits because of an overpayment. I wouldn't trust some person waving a flag to necessarily make a completely truthful statement. If there was a problem, then there was a reason for it. For example, maybe she was overpaid or didn't report income as required. They can reduce your SS by 10%. Then you shout "They took my SS away!!!" Not quite my friend, they reduced it by 10% after giving you an opportunity to contest it and the reason they took it is because you didn't report something you were to have reported. It is not just some random act. Eric HELPS
We bought a used motorhome several years ago and now my husband can’t drive it and I can’t. I’ve kept the payment up but I’ve just had back surgery and we need to move close to our daughters but can’t afford that if I keep the payment on it can we give it back? Husband is nearly 81 and I’m 71
@@johndoe-zb8bm take over payments. It’s 35 ft large kitchen, leather white couch that makes a bed, large refrigerator a pantry. Ready for a washer/dryer.
How do we get credit so we can borrow money ? Do we borrow money and pay the money back ? or do we borrow money and lose 7.6 percent Interest ? Or do we Get a credit card and then default on it Just to get credit ? If you default on a credit card you get no credit .
Usually capital one is the easiest credit card to get to start rebuilding your credit. A lot of times the credit limit is $300. If you can get the card and make your payments on time for six months then they will raise the amount you can charge to a much higher amount. After about a year you might get other credit card offers such as one with no interest for 18 months, or something like that. However, if you get a credit card and just don’t pay it and default it could put your credit score even lower so don’t do that.
: I found department store cards were the best bc the fastest way to build/rebuild credit (i.e. Macy's, JC Penny, Sears, etc.). I would charge the item(s), then make a cash payment @ same time. This builds credit by using your card and eliminates any finance charges which would accrue by the time you get your statement.
We who are able. They don’t realize what it takes out of you. I doubt you could apply even though there are people who could work a part time job to help themselves.
Hi can I ask advice please I’ll Didn’t sign nothing but I put 200 down for a bankruptcy lawyer but I did that too soon then I seen that the government is helping me with my mortgage and not only that my lawn service is with tampering I don’t know but my files got leaked out and it messed with my modification loan so I asked him for my money back but he the attorney went to this and when when I feel like I have to argue for something especially man I’m just like OK whatever in but I never answered his phone call after that so actually he got $200 for nothing I don’t know if I could if there’s a way I can get my money back because I never sign nothing and he never done nothing for me
A lot of attorneys advertise that they will consult with someone about bankruptcy for no charge. If that was the case you may want to try again. Explain that the consultation was at no charge. Maybe you could ask them to pay you $100. Bottom line is that if he doesn't refund the money probably nothing you can do. He might say that by opening a file etc he earned the $200 for his fee. You could complain to the state bar association but it may get you nowhere. Eric HELPS.
A judge has no say in the matter. Social Security is protected from garnishment by federal law. Only exception is taxes, child support and student loans but often taxes and student loans. But with income that low taxes and student loans won't need to be paid
Who came up with these ways of making credit . by means of borrowing money ? I already borrowed 14,000 dollars and paid it back . so why do I do not have credit ?
Hello, I have a question, my brother was paying child support, he stop paying ,got sick he's 67 years old her daughter got 4 kids including teenagers he was on SSI he recently apply for retirement and SSA wants to take away 75.00 from the check I mean arrears , he's a very sick person with certain limitations sick for many years now, I'll apreciate your answer, nice channel thanks. Another thing what happened with ten years debt . collectors still sending letters to him that's right? God bless.
SSI cannot be garnished for past due child support. However other forms of SS can be garnished up to 60%. So if he is only paying $75 he may have a very sweet deal Eric HELPS
Why not just live on several credit cards paying the minimum until death and let your estate pay the rest off. Say you have $300,000 home, mortgage paid off, all equity. Why get entangled in reverse mortgage? I have 12 credit cards, excellent credit, I'm 73, no heirs, but property and school taxes keep rising! Need a new vehicle. Always paid off entire balance. But now it's harder because my income is under $2500 a month. House needs upkeep. That $300,000 sits there frustrating me because I cannot access it to live on. No spouse. No children. I'm lucky to live another 10 years given my genetics. Why not just put all expenses on credit I have cumulatively close to 90,000 . Pay minimum monthly. Sounds easier to me. What would you suggest? As for hel, you are adding a monthly payment to your already rising monthly costs. Why? I'm not anti-reverse mortgage, but why let a mortgage company take their cut when you can live on your credit cards, no collectors after you if you're paying minimum due, and frankly your already excellent credit score is not suffering because you're paying the minimum due? PS, I HAVE NO DEBT.
It's very simple. Don't answer you phone, don't sign any registered mail and just don't pay your debt. Most people in this country are either not paying their debt or getting into to the country illegally and being paid by our government. I worked all my life. Screw everyone that wants my money. I don't even need credit anymore. Go ahead, make my day and ruin my credit.
: I believe after 7 years most creditors can't report your negative debt. I just waited mine out. Now, I have to restart the process of rebuilding my credit.
Question I am 69yrs owe is payed more half I payed 50 a month can't afford that I will write you have Question s that actually said they are God they do what they want I need help
my husband had a creit card in his name and when he died the loan company i has put alean on the house refinaced in my name so this loan company he got a loan. He did not me. So the bebit collector in my husband name.
You guys are a GODSEND. Thank You so much for sharing all this knowledge.
Law can be so intimidating & hard to understand. 👏💘✊
You are welcome. Please share the channel with your friends.
😮😮 0:52 0:53 0:53 😅😮😊😊😅😢😢😢😢
I'm so happy I found this channel and I will be calling.
I live on $772.00 a month & have No other income and with prices of food rising I can barely afford to eat on the $290.00 a month food stamps I get.
I now have some hope, Thank you for all you do!
My mom is 97 and j am 67 it’s amazing how people try to scam us in different ways. Thank God I know about this stuff I went through slot being divorced bankruptcy etc.
What about tenants rights for senior citizens...I'm having a terrible time where I live. Its hard for me to move and I feel so stuck! I did call HELPS to find out my rights. I'm so happy to have been told about this law firm. Thank you for your services!
Contact the HELPS Nonprofit Law Firm, call 1-855-435-7787
This can be a very difficult struggle for seniors. Here is a video from Senior Living where these problems are discussed: ruclips.net/video/t4znHYL_kuk/видео.html
Thank you! Things were resolved! We have a new landlord and renovations are being done and I was asked to be manager. I take the rent, hold all keys, and show apartments. In return they won't raise my rent. They plan on raising rents except for mine. Awesome!
And thank you for your reply! I'll definitely save the number...just in case!
I did not jReceive my Social Security disability check what can I do about this
Seniors should also know to send a cease and desist or any legal paper send it REGISTERED MAIL SIGNATURE UPON RECEIVE OF LETTER. THE COURT WILL WANT TO SEE WRITTEN PROOF OF LETTER AND WHEN IT WAS
RECEIVED. Many companies will deny that you ever sent them any letter if it is sent with just a stamp. I am a former bill collector.
Thanks for sharing with the community.
Actually not necessary. The important part is SS and other retirement income is protected, Eric HELPS
@@HELPSLawGroup thank you Helps Law Firm Wanda from Michigan
God bless this man and the work he does.Glad to see you doing well..Live well and prosper my friend..
Thank you. Please share the channel with your friends.
I wish i had known this My socil security was garnished for 2 years because of a retirement snafu. It was a hardship.
Bless you!!! Thank you, for teaching me , to protect myself
You are very welcome. Please share the channel with your friends.
Thank you so much we have so many medical bills I was paying $5.a month and they have been turned over to collections
Same here
You are welcome. Please share the channel with your friends.
God bless all of you. Thank you for this.
God bless this Lawyer..Thank you so much..
Knowledge is Power.....🙏❤️
Great information and thanks for sharing. 🤗
You're very welcome.
Thank you so much...And GOD BLESS YOU FOR YOUR HONESTY IN THIS DAY AND AGE OF PEOPLE WITH NO MORAL COMPASS AND TRYING TO MANIPULATE SENIORS WITH SCARE TACTICS ..I THINK ITS GONE TO HELL ..EXCUSE MY LANGUAGE, NO DISRESPECT TO YOU...I JUST AM SO SICK OF PEOPLE THAT ARE MOSTLY YOUNGER THAN ME THAT HAVE NO INTEGRITY IN THE BUSINESS/ES THEY REPRESENT BY WORKING FOR SOMEONE. THANK YOU FOR LETTING ME RANT ...GOD BLESS US ONE AND ALL...
😙agreed.
You are very welcome.
Your all awesome thank you!
Please share the channel with your friends.
Thanks guys! Great information to have,+ best advice-Be FULLY knowledgeble!
You are welcome. Please share the channel with your friends.
Thank you both so very much
This channel has saved me so much worry and stress! I can't thank you all enough for giving out this information!
AGREE, Love Helps! Even though I'm a worry wart, Helps is always there to answer my questions. I still worry though, it's my nature LOL
We are glad to hear it. Please share the channel with your friends.
Who are these debt collectors , how do they come in the picture.
@@adrianahernandez7402 If you don't pay your debts, credit cards for instance, that's how they come in the pic
Does Tennessee have a homestead exemption?
The Tennessee homestead exemption protects some of your home equity if you file for bankruptcy. ... If you qualify to use the Tennessee homestead exemption, you can protect some or all of the equity in your house.Jul 20, 2021
Very good I formation Thank u so Very much
Thank you. Please share the channel with your friends.
Thankyou❤
You're welcome 😊
Thank you!
You're welcome please share the channel with your friends.
Thanks this is very good stuff..
You're welcome. Please share the channel with your friends.
I am so happy to hear this program. I am a veteran and I are all areas approximately $4000 now and I have been sending payments due to the pandemic I started sending half the payment instead of the full payment and then I’ll and I sent a letter with that payment and I still heard from them trying to threaten me but I am able to send a payment hopefully I’ll be through with this in a couple of years. I am a 75 now will be 7 to 6 December and as a veteran I really felt like there should’ve been something else that could’ve helped. But this program has really
Been helpful and I do have their info for future reference.
Thanks for contributing.
Thank you for sharing 👍😊
You are welcome. Please share the channel with your friends.
New Subscriber here, plus i rang the bell. Thank you so very much sir
Thank you so much. Please share the channel with your friends.
Does this protection include saving one's credit file score? Even if a creditor agrees to back off as a result of Helps interceding, can't they just ruin your credit so you can't rent an apartment or get utilities? I am finding this to be the case.
Your credit score drops automatically if debts are not paid. Helps does NOT protect the credit score
Make sure you write a letter and have it attached to your credit to explains things.
@@vallang4832 this works. ive seen loans go thru with a letter which said
"my brother ran up my phone bill.
There is a video on this channel that discusses this in detail Eric HELPS
@@HELPSLawGroup - I will look for it. Thanks.
Im from kentucky and my social security was not protected i had a loan with lean tjru usda and they garnished and now federal garnishing me i was told they can take anything above 750.00
Im in process of bankrupcty with legal aid
And m6 biggest is i am trying my best to get permanent custody for grandchildren thats in foster and i cant 1500.00 retainer for a lawyer to help whch both kids got covid and im in ky a judge know my case better and i know i can do it legal aid help grandparent is what i was told but dont know how to come up and and killing me so with heartbreak 8yrold and one over 1 years old as break thats it over money to get my grandchildren can u help or know someone in ky that can 😬
Contact the HELPS Nonprofit Law Firm, call 1-855-435-7787
Wonderful information!! Thank you so much!
You are very welcome. Please share the channel with your friends.
What about the case of a nursing home? My father is terrified that since my mother was admitted to Assisted living after a stroke following surgery. He is paying $6500.00 per month in Ohio for her care and this cannot go on forever.
They will maintain her until the money runs out. That's how it went for my Dad. Check him closely for bed sores.
Contact the HELPS Nonprofit Law Firm, call 1-855-435-7787
How can I get home improvement for disabled Seniors
Contact the HELPS Nonprofit Law Firm, call 1-855-435-7787
Very good information
Thank you. Please share the channel with your friends.
ARE MY SSI BENEFITS PROTECTED AS WELL FROM DEBT COLLECTORS?
Contact the HELPS Nonprofit Law Firm, call 1-855-435-7787
Yes HELPS
So true andy Blankets 🙏👍❤️❤️❤️
Does the cease snd decist letter have to be from an attorney?
Contact the HELPS Nonprofit Law Firm, call 1-855-435-7787
No Eric HELPS
@@HELPSLawGroup thank you I will contact him.
Love this site!
We love having you. Please share the channel with your friends.
Thanks guys.
You are welcome. Please share the channel with your friends.
Hello I called the attorneys office last year for help. I wasn’t able to get a clear explanation at the time, because the attorney was talking over my head. I hope this particular lady is no longer in the office with attorney Eric Olsen.
We are working with Optima Tax services, they say they are representing us. Here lately we are being re-evaluated by them to possibly pay more on our debt to IRS. IT WAS NOT UNTIL I MADE A COMPLAINT ON BBB thatOptima is making a settlement offer to IRS.
The bother is that they keep asking us for bank statements etc. so much paperwork. Now they are talking about taking a closer look at the equity in our home. As seniors I told Optima tax services that they are harassing us. We really feel this way. I told them I can’t keep gathering all this paperwork in a short amount of time; because I’m the main caregiver for my spouse. How can HELPS help us?
Senior Living has some excellent videos on currently not collectible status with the IRS If you are a seniors depending on your income you may qualify. There are many tax resolution companies that are essentially scams. You can call HELPS with questions. Eric HELPS
Does Tennessee have personal exemptions?
For tax years beginning January 1, 2018 and after, individuals 100 years of age or older, or any person who files a joint return and either spouse is 100 years of age or older, are exempt from the tax. Single Filers: A legally blind person is exempt from the Hall income tax.
Contact the HELPS Nonprofit Law Firm, call 1-855-435-7787
Not mentioned that Can ssa garnish your income for debt?
thank you as always
You're welcome. Please share the channel with your friends.
I'm low income and federal government or Dept of Education took 87 dollars monthly from my SS for a year. Couldn't afford a lawyer when this happened.
Contact the HELPS Nonprofit Law Firm, call 1-855-435-7787
Senior Living has a video on this topic you can look at. Lower income seniors can qualify for an income based repayment plan and pay $0 per month for student loans Eric HELPS
Just because a D&D letter is sent to a creditor, does that mean they cannot file suit? If they can, does this mean the senior won't be notified, or does this stop any further collection efforts? I am confused. Thanks.
NO they still can file a suit the letter is only for them not to harass you. YOU will be served if a law suit is file, after you are served, you have so many days to answer the law suit only if you contest it which, why would you contest it, knowing you owe the money,after the time is up, they can, and most likely will get a judgment against you
Call the 211 line they will know where you can get help. Or go to you town and see if they have a department that helps in these situations. Many have emergency funs. All is not lost. Take a couple of deep breaths, write down what you need to say so you don’t get confused and call them.
@@annpelrine5992 ✊✌
@@annpelrine5992 - Thanks anyway Ann. No matter what time I call - the computer transfers me to "a human" - half an hour later the phone is still ringing with no answer. Been trying for months.
when i got with debt advantage i had to pay 300.00 to get what is called customer to assist and they have me to send letters to them that i get from the the collectors can i not pay debt advantage i had good credit i was not behind when i called them for help i kept getting late payments added on plus interest on my debt i owed chase 4000 or less when i turned it in and now its up to close to 6000
Contact the HELPS Nonprofit Law Firm, call 1-855-435-7787
TY!
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Question; what about seniors who have co-signed student loans for grandchildren who are not paying them, and the seniors Arron a fixed income?
Contact the HELPS Nonprofit Law Firm, call 1-855-435-7787
Depends on the type of student loan. You can call HELPS with your questions Eric HELPS
What SS $ amount in Tennessee is economical deficient? TYIA
Contact the HELPS Nonprofit Law Firm, call 1-855-435-7787
All is protected regardless of the sum Eric HELPS
my mom has a condo and town house in chicago and she got hit with a 5k water bill and went to jugment now owes 11 k and she has lotta money in 401k and a lot of redlight carma tickes and mortage and other debts what should she do?
Too much to answer in a reply here. Your mom can call HELPS and go over options. We can always talk to a parent and adult child together by a conference call if that is wanted. Eric HELPS
HOW DO WE GET THEM?
What age does this start for seniors?
What do you mean?
These rules apply to source of income regardless of age
@@HELPSLawGroup thank you
I allowed family members to live in my house & they ran up utility & sewer bills into the thousands of dollars. I am soon to move back into the house but now have all these unpaid bills!
Can the utility companies, etc., attach my SS for those?
SS is my only income.
I am in St.Louis.
Contact the HELPS Nonprofit Law Firm, call 1-855-435-7787
No but if the bills were in your name you will have to deal with them to get things turned back on Eric HELPS
so if i have 20k from federal benefits i am protected to 40k?
It's the monthly income, yes, it's doubled Good for you making 20 K a month LOL
is my SSDI income protected as will?
Yes everywhere Eric HELPS
@@HELPSLawGroup Is SSDI disability income? My s-i-l has disability listed as "SSA" as direct deposit on bank statement. She isn't 65 though so would that income be protected?
What grounds one cannot bankrupt?
Depending on state u live in. Contact a bankruptcy lawyer in your state
You can file bankruptcy but often it is simply unnecessary if your income and assets are protected Eric HELPS
What I'm concerned about right now are egregious County property tax assessments. People are seeing 50, 100, 300, 400% and much much higher increases right now (2023) Many senior's and disabled people will become homeless (i'm at high risk). We have very little recourse and our property is not protected like with private debts.
There was a woman with a US flag at the capitol building on January 6th and she said her social security was taken away. There are also US veterans who have lost their benefits
How was her Social Security taken away? It's possible if you earn too much money or go to jail, but we'd like to know more.
@@SeniorLivingOrg From what I heard they did go to jail. There have been investigations and it could take years until this reaches mainstream but the J6rs and independent reporters claim that they were not violent that day. There were agitators in the crowd that are believed to be either FBI or antifa. It was a complete cluster. Contact Mel Hawley
You can always lose a portion of SS benefits because of an overpayment. I wouldn't trust some person waving a flag to necessarily make a completely truthful statement. If there was a problem, then there was a reason for it. For example, maybe she was overpaid or didn't report income as required. They can reduce your SS by 10%. Then you shout
"They took my SS away!!!" Not quite my friend, they reduced it by 10% after giving you an opportunity to contest it and the reason they took it is because you didn't report something you were to have reported. It is not just some random act. Eric HELPS
great guys
Thank you. Please share the channel with your friends.
BTW i got a lawyer and he wrote a letter . It did absolutely nothing . They are telling me now I have no credit .
Contact the HELPS Nonprofit Law Firm, call 1-855-435-7787
You need to scan the other topics of videos with HELPS on this channel. Your question will be answered. Eric HELPS
How do i get ahold of you
Contact the HELPS Nonprofit Law Firm, call 1-855-435-7787
What if you are 63 and on disability for years?
These laws apply to you Eric HELPS
We bought a used motorhome several years ago and now my husband can’t drive it and I can’t. I’ve kept the payment up but I’ve just had back surgery and we need to move close to our daughters but can’t afford that if I keep the payment on it can we give it back? Husband is nearly 81 and I’m 71
Contact the HELPS Nonprofit Law Firm, call 1-855-435-7787
@@johndoe-zb8bm take over payments. It’s 35 ft large kitchen, leather white couch that makes a bed, large refrigerator a pantry. Ready for a washer/dryer.
Sell the pile of junk or bring it to a junk yard stupid investment now wake up !
Its prime time to sell the motorhome market is hot for buyers list it on craigs list. Good luck.
A GODSEND
Thank you. Please share the channel with your frinds.
I need to contact you i am getting calls from a lawyer for a vehicle i let go back all i draw is SS are they a number i can call
To contact the HELPS Nonprofit Law Firm, call 1-855-435-7787.
How do we get credit so we can borrow money ? Do we borrow money and pay the money back ? or do we borrow money and lose 7.6 percent Interest ? Or do we Get a credit card and then default on it Just to get credit ? If you default on a credit card you get no credit .
Usually capital one is the easiest credit card to get to start rebuilding your credit. A lot of times the credit limit is $300. If you can get the card and make your payments on time for six months then they will raise the amount you can charge to a much higher amount. After about a year you might get other credit card offers such as one with no interest for 18 months, or something like that. However, if you get a credit card and just don’t pay it and default it could put your credit score even lower so don’t do that.
: I found department store cards were the best bc the fastest way to build/rebuild credit (i.e. Macy's, JC Penny, Sears, etc.).
I would charge the item(s), then make a cash payment @ same time.
This builds credit by using your card and eliminates any finance charges which would accrue by the time you get your statement.
They say in this low income seniors but DO NOT MENTION IF YOUR LOW INCOME THAT WORK... SO WE WHO WORK DO NOT APPLY😶
We who are able. They don’t realize what it takes out of you. I doubt you could apply even though there are people who could work a part time job to help themselves.
Federal law protects 217.50 net per week in wages. However some states have larger exemptions or don't allow garnishment of wages at all. Eric HELPS
Hi can I ask advice please I’ll
Didn’t sign nothing but I put 200 down for a bankruptcy lawyer but I did that too soon then I seen that the government is helping me with my mortgage and not only that my lawn service is with tampering I don’t know but my files got leaked out and it messed with my modification loan so I asked him for my money back but he the attorney went to this and when when I feel like I have to argue for something especially man I’m just like OK whatever in but I never answered his phone call after that so actually he got $200 for nothing I don’t know if I could if there’s a way I can get my money back because I never sign nothing and he never done nothing for me
A lot of attorneys advertise that they will consult with someone about bankruptcy for no charge. If that was the case you may want to try again. Explain that the consultation was at no charge. Maybe you could ask them to pay you $100. Bottom line is that if he doesn't refund the money probably nothing you can do. He might say that by opening a file etc he earned the $200 for his fee. You could complain to the state bar association but it may get you nowhere. Eric HELPS.
COOL
Then how can a judge allow a debt collector to garnish a 67 yrs old seniors social security retirement when they only receive $1030 a month?
A judge has no say in the matter. Social Security is protected from garnishment by federal law. Only exception is taxes, child support and student loans but often taxes and student loans. But with income that low taxes and student loans won't need to be paid
Who came up with these ways of making credit . by means of borrowing money ? I already borrowed 14,000 dollars and paid it back . so why do I do not have credit ?
your probate they can put a lean on it.
Then why did the federal government take money from my social security to pay a student loan for a year?
Contact the HELPS Nonprofit Law Firm, call 1-855-435-7787
Because you didn't do anything to stop it. You didn't know you could. Look at the answer above Eric HELPS
I owe Simmons bank but I pay it help
Look at some of the other videos on this channel from HELPS Nonprofit Law firm
Hello, I have a question, my brother was paying child support, he stop paying ,got sick he's 67 years old her daughter got 4 kids including teenagers he was on SSI he recently apply for retirement and SSA wants to take away 75.00 from the check I mean arrears , he's a very sick person with certain limitations sick for many years now, I'll apreciate your answer, nice channel thanks. Another thing what happened with ten years debt . collectors still sending letters to him that's right? God bless.
Contact the HELPS Nonprofit Law Firm, call 1-855-435-7787
Thanks
SSI cannot be garnished for past due child support. However other forms of SS can be garnished up to 60%. So if he is only paying $75 he may have a very sweet deal Eric HELPS
Why not just live on several credit cards paying the minimum until death and let your estate pay the rest off. Say you have $300,000 home, mortgage paid off, all equity. Why get entangled in reverse mortgage? I have 12 credit cards, excellent credit, I'm 73, no heirs, but property and school taxes keep rising! Need a new vehicle. Always paid off entire balance. But now it's harder because my income is under $2500 a month. House needs upkeep. That $300,000 sits there frustrating me because I cannot access it to live on. No spouse. No children. I'm lucky to live another 10 years given my genetics. Why not just put all expenses on credit I have cumulatively close to 90,000 . Pay minimum monthly. Sounds easier to me. What would you suggest? As for hel, you are adding a monthly payment to your already rising monthly costs. Why? I'm not anti-reverse mortgage, but why let a mortgage company take their cut when you can live on your credit cards, no collectors after you if you're paying minimum due, and frankly your already excellent credit score is not suffering because you're paying the minimum due?
PS, I HAVE NO DEBT.
Maybe, but I can think of a gazillion reason why this wouldn't be the best idea. Eric HELPS
This does not work!
Not in sweden anyhow
@@rydionnas6796 Well it does in the US. My grandmother came to the US from Sweden in 1904 :)
They’re taking my retirement and paying my spouse who is deceased now? Back Taxes
A levy is launched against me for his taxes
You can call HELPS with your question
It's very simple. Don't answer you phone, don't sign any registered mail and just don't pay your debt. Most people in this country are either not paying their debt or getting into to the country illegally and being paid by our government. I worked all my life. Screw everyone that wants my money. I don't even need credit anymore. Go ahead, make my day and ruin my credit.
And so why are people in the US struggling? We need to take care of our own.
@@annpelrine5992 You are 100% correct!
😆✊
: I believe after 7 years most creditors can't report your negative debt.
I just waited mine out.
Now, I have to restart the process of rebuilding my credit.
o m g
Question I am 69yrs owe is payed more half I payed 50 a month can't afford that I will write you have Question s that actually said they are God they do what they want I need help
They are irs
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Is there a phone number to talk with you
You can reach out to HELPS at 855-435-7787.
my husband had a creit card in his name and when he died the loan company i has put alean on the house refinaced in my name so this loan company he got a loan. He did not me. So the bebit collector in my husband name.
So dedit collector he put a lean on my probate to close and breath.