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

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

We presently get SSI (i am a grown-up and I also reside in VA) and have always been having troubles making my charge card payment each now because of the interest month. I’ve seen on other web internet web sites it’s okay if a household people takes care of the card for your needs when they directly spend the lender rather than supply the cash to you personally, it will perhaps not affect your SSI. Had been wondering if there clearly was any truth for this? I might instead perhaps not register bankruptcy and spoil my credit. Many Many Thanks!

Hi here, i’m very sorry to listen to that! Some kinds of help that exist from family relations count as “in-kind maintenance and support”(ISM). I am perhaps maybe perhaps not totally certain that a member of family having to pay a credit automobile bill counts as ISM, you might contact your SSA that is local office this, they may be able better simplify if this particular help will be considered ISM.

I had simply read previous today that when a member of family will pay your personal credit card debt than that matters being an income for your requirements and may be deducted from your own SSI

In answer I experienced simply read earlier today by Veronica (maybe not confirmed)

Hi Veronica, that could be the outcome, it might be a good clear idea to contact the SSA regarding this if this is one thing both you and a family member are intending.

My adult daughter receives SSI for her impairment. I will be her Payee. She received a bond that is old 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 states she will purchase home furnishings, devices, clothes, etc.

Can she reimburse me personally for travel cost of transporting her to her physicians ( they’ve been 140 kilometers trip that is round she’s got severe epilepsy and cannot 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 36 months ago?

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

In reply to My adult daughter receives by Jill ( maybe perhaps perhaps not verified)

Hi Jill, Payee reimbursements are a cost, nonetheless they are on a things that are specific certain kinds 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 health insurance. We have 3 outstanding cc balances of about 3k each. I recently havent been having to pay because We couldnt any further. cc business is using me personally to court, how to handle it? We have no asssets or resources.

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

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

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

I have met with an advocate lawyer (cost-free for me) to assist me personally with my personal credit card debt. I was told by the attorney that I do not have such a thing to be concerned about because i am judgment proof. SSI can’t be garnished, and with having said that, creditors will never be able to have any court in the usa to garnish your SSI. The creditors may make an effort to sue you, nonetheless they defintely won’t be in a position to touch your SSI. The lawyer informed me that i ought to wait approved cash loans installment loans for the credit card issuers to sue me then seek bankruptcy relief. Find your state that is nearest appropriate help advocate!

I reside in New Hampshire if that really helps to offer response to my past question?

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

Hi Gigi, we are perhaps perhaps maybe not specialists in creditor law, thus I’m uncertain the advice you could be given by me in this situation could be specially helpful.

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

In reply to We have actually a relevant concern can my by Marcus ( perhaps maybe not confirmed)

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

Have always been we permitted to make credit debt re re re payments with SSI? i will be considering obtaining a GAP card to purchase garments (we cannot otherwise manage garments), however would have to spend the bill off month-to-month. I do want to understand if i have to utilize my SSI strictly for rent, resources, and meals, or if perhaps i am lawfully permitted to utilize a percentage from it to help make minimum monthly premiums on personal credit card debt. Many thanks. We are now living in Georgia, if that information will become necessary.

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

You can make use of it for clothing. Nonetheless, as you’re getting a shop charge card, I would personally in recommend checking utilizing the SSA before doing that. Better safe than sorry.

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

I’ve several bank cards, and We spend my credit cards with my SSI. We have never ever gotten into any difficulty for the. Nevertheless, used to do ask Social safety about making use of bank cards, in addition to social safety rep explained it is okay to possess and make use of charge cards provided that the bank cards create financial obligation you need to and want to pay off, and it’s really definitely okay in order to make month-to-month bank 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 generate a financial obligation that you must and want to pay off in to the creditor(s). Consequently, you are able to go right ahead and spend your credit cards together with your SSI without the bother about it inside your SSI. You should be careful to not find yourself deep in personal credit card debt for which you wind up maybe maybe not having sufficient $ to make the minimal payments.