I'm paying to companies to try to get me out of debt if I stop their services and they're still many left it to pay on the credit cards is there anything that the credit card companies can do to me
@@allennoble9261 credit cards can get a Court judgement against you but cannot garnish your SS or pension so depending on how much money you have they may be able to go after your earnings. Most won't sue unless it is a high dollar amount over 10K or 15K. It usually isn't even the credit card company they just write it off and report it as income to the IRS but companies buy these debts for pennies on the dollar and then sue.
If a collection agency calls you and asks for you by name...Asks who is calling . Once you find out it is a collection agency mute the phone and put it down. Never say a word to them
thank you for the information I'm not quite a senior citizen but I'm 61 I'm on disability and SSI and I'm hoping I can get my third stimulus check without any problems in my protected from debt collectors
@@joycedallas4262 Yes, Biden campaigned on a lie that he would raise social security by $200.00 a month, I'm not a senior yet but this money would help so many seniors that deserve to not live in poverty after working their whole lives.
A piece of advice that I've learned. If your debt is turned over to a collection agency never ever pick up the phone or respond to any letter from a collection agency. They may be able to keep calling you or sending letters but as long as you don't answer the debt does not have to be paid. After 7 years it'll go off your record.
I returned a ring to a jewelry store 40 yrs ago and have No proof of it. The lawyers 0rdered me to court to get prove who I was. These lawyers buy bad debts over again and use internships to collect money. The ring was 50.00 the bill they wanted was over 20000.00.
Thank you so much for your information.It is so good to hear somebody on seniors side. I am 70 and last year fell on the job. Work comp is ridiculous and now nobody will hire me. The injuries are to the point where I can barely walk. It honestly seems there are so many greedy business people. I had to go to the dentist, he knew of my problems in the last year, and that I have no money. He charged me $4000 for two cavities and a cleaning.. Greed seems to have taken over humane treatment and kindness in our modern world.
make the call....then call up Carington, best plan going for dental work, it's not insurance, it's a plan, I've used it for over 20 years....$25.00 every quarter, so around $100/yr, saved me thousands on dental work over the years.
I have medicare AARP's United Health Care and I have some Dental insurance, but not enough to get my teeth fixed I need a top and bottom plate or just a new top plate and one bottom cap, one pulled , and partials only $20,000. Guess I'll be living on baby food before long, not sure what I'm gonna do.
I constantly see in social media that people under 30 have this strange idea that Seniors are just sitting around with huge bank accounts. My Dad is 81, he was a "contract employee" when he was told he didn't need to come to work the next day. No cake, no gold watch , absolutely no severance - just "you're 65, bye!' My parents live on their social security. It's terrifying. I've been disabled for 28 years and can't work. We've always wanted to do the right thing, pay the bills, but they have been scammed, Mom always handled the money and she has Alzheimer's. It is sickening that these good, hard working people who really could use help (someone to clean twice a month? No money for that), but I have no idea how to get that for them. Seniors deserve respect, not harassment. Thanks for this, I'll look at the website.
There are many ways to make money from home that would help you and your parents. Selling on facebook or amazon is one way. Also Work From Home Secrets is supposed to be a good affiliate marketing course. His informercials are on TV regularly. He has a book and online course to teach you.
Make money online takes time if you're not digital incline. Plus it involves investing in valid education NoT scam education....and it's not get rich quick. It takes Work and diligence.... that's my humble opinion....but who says you can't Try.....
Everyone Needs to know this, my husband is 70 and has just finished treatment for cancer, it's very difficult paying all the medical bills on top of household bills.And credit card bills. All of our credit is basically in his name and he's worried about losing our Good Credit Rating, as well as the fact that he has to go for frequent check-ups because of the cancer, or because it's left him with issues he may incur more medical bills while we're struggling to pay all the ones we already have because of the cancer. I hope you won't mind responding and give me much needed advice.I know we aren't the only ones dealing with these types of problems. Bless you for the work you are doing to help us Seniors, because most of us have no idea what to do. As majority of us have worked all our adult years and Always paid our debts.
Being one of the 50 seniors you'd have in the room, I am one who did not know about the twice federal benefit is protected. Thanks for the information.
Without a doubt, This is the finest group of people you will ever encounter.Thank you for all you do,and God will never allow your phones or lights to go off.
I knew that my SS is protected, but I didn't know about the protection on my bank account. Thanks! I have experience with being unable to pay my old debts. I haven't responded to any letters, calls or judgements and have had no further problem. One judgement said that real estate could be affected; but since I don't have any, there's nothing to be concerned about. I paid my debts faithfully until I couldn't any more. It is a real relief to know that I am protected!
I have a dear friend who lost everything 4 years ago, because of a reaction to one of the canncer treatment drugs (immunotherapy) Yorvoi (SP?). She was let go from her job at age 70, and she had credit card debt and has been constantly worried about lawsuits and garmishments....I plan to show her this video. Thanks!
This takes a huge load from my back! Thank you for being here. I'm on disability from being rear-ended by 2 large vehicles, I also have 2 sons living at home who are on the Autism spectrum, I have plenty to worry about without having this on my back all of the time.
This is great. No guesswork involved. I will be a senior next year , provided senior is 60 years old , and I will use your service. I'm sharing this letter with as many seniors as I know and thank you for being there.
My mother had some debt that creditors were calling over and over again. I told her to tell them that she would have her lawyer get back to them just to see what happened and she did and they stopped calling.
I have never heard this. I have disappeared my bank account money since freddie and fanny. I only keep a months worth of money to pay my my fixed expenses. I don't answer my phone unless it is a friend. Thanks for the good info. I hope.
Michael I'm sad you seem to have felt pressured to do the only friends route with the phone. I believe Seniors do live within their means as much as best they can, he seems to understand this.. Huge Companies , but especially the Government's part, don't seem to get better. Often the worst . Happy New Year for 2021 and I send this greeting. out to all of the people who might be reading this. What brought you to this part during the Pandemic on New Year ? Good luck. I saw a post from a so called professional on here doling out advice, and making some assumptions which I believed to be wrong or misleading. . If you see something, say something. There I've said it ------Again !
Thank you so much for the useful information that the seniors are entitled. I believe in our Government that helps it's citizens in many ways, especially the seniors and veterans. Special thanks to this law firm that try to help the seniors.
Hi I have been registered with Helps for atleast 2 years. I am not a senior citizen but I am disable...they helped me stop a garnishment from my school loans. They also helped me with my IRS problems. I was very pleased with their program. This company is very knowledgeable & there customer service is excellent & they return calls & follow up the same day/the next day. This is a real testimony 😊. I would refer anybody to the Helos organization. I was able to keep a piece of mind through challenging times
As far as student loan debt, i had most of mine WAIVED due to disability. FYI. I fought for 5 long yrs. But it finally happened. It pays to question everything! I ask an abundance of questions .
@@jewels7139 yes Julie. Helps actually helped me apply for Non collectible status...I believe it's also called the 53 status. They did a conference called & notified IRS that they will be representing me...After that helps gave ne information on filing for a medical discharge.The school loan was waived & I was placed in non collectible status. Helps assistamce made me stop living in fear😊. I eventually was Brave enough to fill out the forms for a offer in compromise & I am presently waiting for a answer. IRS said to expect a decision around Feb 2. Helos Org ... actually took a tremendous amount of stress off my shoulder & made me tackle my fears. I just want to add on...I filled out the offer in compromise forms myself & irs walk me through the process. BY the way I felt comfortable enough to ask irs lots of questions & they were quite helpful. I wish everybody all the best on their economic journey. Happy New Year
That's true! Remember you can request a copy of your credit report from the three agencies. You can dispute any thing on your report/s. Having those debts removed can even raise your credit score.
The tricky bit, is getting accurate records copies from providers. ESPECIALLY if you entered the care system via the emergency room. One must literally request an itemized billing--most never give you those. THEN, you need to scrutinize the billings, and QUESTION any items you think don't belong. That might need sitting with a hospital social worker or nurse or billing office, to explain the items on the bill to you. THEN you have to fill out a form to contest the wrong items, and request they be removed. Pitfalls of this: The providers KNOW they can easily buffalo patients and their families. It happens ALL THE TIME, pretty much everywhere I've ever worked, in 2 States, and heard plenty from others who've worked in other States. --> OFTEN, records are lies, both flagrant and of omission....not only of what was done, but what supplies got charged to your bill. --> WORSE...if you experience an adverse reaction to any treatment, those are mostly NOT charted, UNLESS they cannot avoid it. Most patients and their families are CLUELESS of adverse reactions. Most, IF they are charted, are made to appear as entirely different "problems", given Diagnosis Codes making SYMPTOMS into stand-alone diagnoses of their own--which is very wrong---but that is one big reason why healthcare has become so derailed from healing. That applies to at least the last 40 years of vaccine adverse reactions, drug or other treatment reactions whether in or out of a hospital or office. Then there's all that split billing from individual providers. [lost typing due to gargle glitch] The USA is one of THE MOST COSTLY countries to live in, specifically for health care of any kind. Medicines, surgeries, treatments, everything, is charged at the highest prices. INSURANCE industries and PHARMA industries, have made the US healthcare system what it is: extremely, unrealistically costly, and, got laws passed long ago, limiting Docs to only diagnosing, not curing. No one can legally claim they have cured anything. Docs are legally restricted to use only "poison, cut, burn" [drugs, surgery, radiation]. The reference books for Diagnoses codes, and for drugs, have grown exponentially in size, more because Pharma has made a huge business of reinventing thousands of Symptoms, into stand-alone "Disease", because they have invented drugs for those. And medical devices. etc. The feedback loops that determine how much, and when, prices get raised, is truly Machiavellian. Kinda like Tax laws.
Thank you, so very much. My dad work for southern Pacific Railroad he passed away December 6, 1974 and his pension is still being held $130.000 130,000 principal no interest my mother went through other hell I put myself in school my dad was a veteran and I’m sure I’m not the only person to go through this nor was my mother she received three checks and died in 1995
Thank you sooo much I’m a new sub 64 years old and I have a SONYMAE mortgage we’ll we have not paid our mortgage since the pandemic now SONYMAE says we CANNOT put the money owed on the back of the mortgage ugh I’m so upset. I’m looking for help anywhere!! Thank you sooo much I’m so glad I found you! Love Karen Long Beach NY FYI I only have 2 years before my mortgage is paid off ok ty
Most debt collectors illegally just re-age their begin date to keep it on your credit report way past 7 years. Child support will garnish re arrearages, too, if you're SSDI.
My mom died a few years back and she had a small balance on a credit card. My sister contacted the company to pay it off and the CSR said “she is dead. Why do you want to pay this?”
Sad that she didn't know that. The working class is trained to do what the rich know not to do. The Bible says that after death all debts are paid. Slavery says otherwise.
After both my grandparents passed away ,they had gotten there check in the mail within days after their deaths we mailed the checks back with a note that had the information on each of their deaths and we got a letter & phone call back thanking us for being honest human beings ,thos is the way I was raised ,honesty is best !! I'm the one who has to look myself in the eyes at night before my head hits the pillow each night ,did I do my part as a good person today and then you can sleep easy 😁👍
Just found your Chanel. My 82 yr old mother lives with my sister who cares for her. I take care of her finances. She literally lives on a social security check. Most of her expenses are medical related. She was so close to being denied chemo a couple years ago. She makes about $100 dollars too much to qualify for the states Medicaid as a secondary insurance. She has had several falls, broken bones, surgery and therapy. Therapy a couple times a week is so expensive. I do pay her medical portion but this is good information to know . Thank you.
Thank you. This info is major weight off my shoulders. I had to default on three credit cards. I had to move from Colorado to a less expensive state to find & move into a one bedroom apt that my brother & I could afford on our Social Security.
What a great and informative presentation! Thanks for the enlightenment. Even as a senior without current debt, this is great news! Thanks for what you do.
I wasn't aware of this until I saw this video! Do they have similar rights to prevent losing a home for non-payment of property tax? If not, that needs to be protected as well. I am deathly afraid of losing my home for that reason. I struggle to survive on a limited income.
if you reply to a debt collector, whether or not the debt has been sold to someone else, DON'T REPLY TO IT...THIS STARTS THE TIME LIMIT (or something) ALL OVER AGAIN. DO NOT REPLY CALL, TRY TO BE NICE & say you'll try to pay $X....have NO CONTACT with them!!!!
not quite correct. if you do not or can not pay a bill, credit card... the credit card company is obligated by law to charge off the account after 180 days soooo you may after this time receive a statement from a "collector"... do you have a contract with the "collector" NO YOU DO NOT. but you must reply within 30 days so...YOU MUST NOT PAY ONE CENT but contact your attorney who you will NOT have to pay...If the collector calls and want you to pay just tell them: I WILL DEAL WITH THIS BUT IN WRITING ONLY. THEN CONTACT AN ATTORNEY WHO DEALS WITH COLLECTORS... YOU WILL BE GLAD YOU DID.
After a terrible 2022, shell-shocked financial backers have a lot to think about and losses to recover from. An expansion report and a wealth of other data did little to alter assumptions that the Central bank would likely keep raising interest rates regardless of whether the economy slows down. This implies that portfolios will experience more losses during the first quarter of 2023. I'm currently at a crossroads deciding whether to exchange my $250k security/stock portfolio; how might the continuous market volatility work to my advantage?
@wilsonkelvin2531 In fact, ever since Coronavirus, I've been in regular communication with financial examiners. Nowadays, buying moving stocks is quite easy; the trick is knowing when to buy and when to sell. The section and leave orders for my portfolio are made by my counsel. accumulated more than $550,000 from a $150,000 savings that was initially stale.
Thanks, I'm SSDI and this helps my bank actually took money out of my bank account to pay a creditor. I got it back but it took months I pulled by Benefits from DD to Direct Express to keep it from happening again. I hate the Government card But at least no one touches them now. I just have almost no money in the bank these days.
I would bet it was a Credit Union not a bank. This rule has been in effect since 2011 but we still occasionally run into credit union's that are ignorant of the law and yes occasionally a bank. We are able to get the money back Eric Olsen HELPS Nonprofit Law Firm
They need to make a law that collection agencies can’t sell your account. I have credited card companies sending nasty letters to get me to pay for my deceased father’s credit cards. Fortunately I know I’m not responsible. My Dad had no estate, he lived me, and no will and no executor. I received a small Life Insurance policy that paid for funeral expenses. They can’t take Life Insurance monies. So they’re sucking air and I file 13 all their corespondents.
If what U're already doing is working, then U may not need this suggestion. I simply put the funeral parlor prayer card in the env. W the statement stub n mailed it back with only serving as the necessary explanation of no payment submitted n I never heard from them again. Good luck n God bless
@@karenraynor8562 I have actually spoken with them on the phone and sent them copies of his death certificate. It’s a tactic that they use to try to scare family into paying for their deceased parent’s debts. Not to worry it’s a waste of time on me. Like I said I file 13 everything they send. I suspect they will eventually stop sending. They even tried to say they could take “the” house to assume it was my Dad’s. No it’s my house in my name and they can’t touch it. It’s just very sad that there is so much dishonesty out there and there are some people that they can scare and intimidate into giving them money. Money that is legally not theirs.
@@marthasavage4129 check your state laws and an attorney... if those letters are from creditors DEMANDING that YOU make payment upon your deceased fathers unsecure debt.... you might be able to sue them. In my state, it is UNLAWFUL for a creditor to go after OTHERS for a debt... and if they send letters, telephone calls and the Like demanding payment, we can SUE them in our state. If memory serves me correctly, in my state, they are also fined $7,000.00 by the state attorney general for each contact/demand of payment... One of the nations biggest cases against such unethical credit collections was won in my state... making the poor family very wealthy...
If the card is only in the name of one spouse it is not the practice of credit card companies to attempt to collect from the other or surviving spouse even in community property states. Eric Olsen Executive Director HELPS Nonprofit Law Firm
@@ericolsen2141 what if I die and my kids are the inheritors of my estate? Will they have to pay my balances on my credit cards since their name is not on the credit card account?
Goodday sir Jeff & sir Erick oh happy day sooooo relived my check& all other seniors income checks r protected from collectors praises to u both God bless you and stay safe 🙏🏼🤗🙃⭐💜
Good to know, my medical bills are a source of harassment continually, as my SSDI doesn't pay me enough to pay medical bills and pay rent and utilities too.
Whenever you forsake good credit by failing to make payments, you will always LOSE lower interest rates and the ability to refinance at lower rates. This costs seniors billions. Go to a state and city with very low costs of living and drive a beater used car. Read up on penny pinching. You can learn on line to cut 1/3rd of your expenses without feeling any “pain” at all. After a while you will enjoy your NEW power over your finances. Sanjosemike (no longer in CA)
I already live on nothing and drive a car that is 20 years old with 245,000 miles on it. Not everybody can afford to move. I live in a state that got big tech come to it. That raises all the expenses for seniors. I already have a roommate that I split expenses with. I just wish I could afford dental care and new glasses, but my credit is maxed. I never did have low interest rates. If I had then I could have been able to afford my bills.
This guy he is interviewing is a great guy. When I called, he talked to me personally. Told me flat out I did not have to file bankruptcy at my age. 64. He was right. I just stopped paying and when the debt collectors called, I told them "I'm 64 and I don't have to pay you. Don't ever call me again" They never did.
What about federal student loan debt? I've heard that they can be extracted from you by garnishment and liens no matter your age or income source or level...
II have answered this throughout this string. I believe SeniorLiving will be doing another video very soon where we will focus on student loans and taxes Eric Olsen Executive Director HELPS
The IRS and Public Student loans can offset 15% of SS. However almost lower-income seniors can obtain non-collectible now status with the IRS and pay nothing. The same with student loans but that is called income-based repayment which is most often zero dollars per month. HELPS Nonprofit Law Firm assists seniors with this every day,.
I'm a senior. My Socisl Security check was garnished for payment of student loan debt. And, Social Security is a government agency. I needed up getting the money back through my bankruptcy attorney. But, even then it took six months.
Thank you sir for letting us know our Social Security is protected. I think millions of seniors signed a breath of relief. God Bless you!
Just a reminder- Social Security can be garnished for debts to the government such as back taxes or student loans. Source ssa. Gov.
I'm paying to companies to try to get me out of debt if I stop their services and they're still many left it to pay on the credit cards is there anything that the credit card companies can do to me
Yessssss GLORY TO GOD OH HAPPY DAY GOD BLESS U JEFF & ERICK STAY SAFE🙏🏼⭐👌🤗🤗
@@allennoble9261 credit cards can get a Court judgement against you but cannot garnish your SS or pension so depending on how much money you have they may be able to go after your earnings. Most won't sue unless it is a high dollar amount over 10K or 15K. It usually isn't even the credit card company they just write it off and report it as income to the IRS but companies buy these debts for pennies on the dollar and then sue.
@@allennoble9261 No. Contact HELPS and they will explain everything to you.
If a collection agency calls you and asks for you by name...Asks who is calling . Once you find out it is a collection agency mute the phone and put it down. Never say a word to them
I have gotten a little "choked up" and told them I've passed away. Worked for me.
...:-} good one.
Lol great
Thank you. Seniors really need this help. 👏👏👏👍👍👍
You're very welcome!
Thanks so much, We seniors really need this. In fact I really need this and will be calling to signup shortly
Alfred
🙏🏼🙏🏼🤗🤗👌😑💜
What happens when you owe a car financing ☺️
What happens when you can't pay off the debt can they reposses the car !!!!!!
thank you for the information I'm not quite a senior citizen but I'm 61 I'm on disability and SSI and I'm hoping I can get my third stimulus check without any problems in my protected from debt collectors
Thank you for letting us seniors know what's going on with our social security. Im living in poverty right now and my S S is only 750.00 a month.
Shirley Kirby I only get $668 a month & I am 70.....$200 of that is a widows mite from my husband....s
That is not good thank. Biden. We worked all our lives. Sorry have you got social security they have extra money to help
@@joycedallas4262 Yes, Biden campaigned on a lie that he would raise social security by $200.00 a month, I'm not a senior yet but this money would help so many seniors that deserve to not live in poverty after working their whole lives.
A piece of advice that I've learned. If your debt is turned over to a collection agency never ever pick up the phone or respond to any letter from a collection agency. They may be able to keep calling you or sending letters but as long as you don't answer the debt does not have to be paid. After 7 years it'll go off your record.
True! I've had this happen, & I had an attorney tell me the exact same thing
I returned a ring to a jewelry store 40 yrs ago and have No proof of it. The lawyers 0rdered me to court to get prove who I was. These lawyers buy bad debts over again and use internships to collect money. The ring was 50.00 the bill they wanted was over 20000.00.
yea just wait 7 fing years or like the guy said, send a cease and desist letter!
@@billman6364 would love more info on cease and desist letter. Pay being garnished.
Really?!?! 🤔
Thank you so much for your information.It is so good to hear somebody on seniors side. I am 70 and last year fell on the job. Work comp is ridiculous and now nobody will hire me. The injuries are to the point where I can barely walk.
It honestly seems there are so many greedy business people. I had to go to the dentist, he knew of my problems in the last year, and that I have no money. He charged me $4000 for two cavities and a cleaning..
Greed seems to have taken over humane treatment and kindness in our modern world.
We are always here to help! Thanks for watching!
make the call....then call up Carington, best plan going for dental work, it's not insurance, it's a plan, I've used it for over 20 years....$25.00 every quarter, so around $100/yr, saved me thousands on dental work over the years.
I NEVER SEEN THIS PROGRAM IT HAS IMPORTANT INFORMATION .APPERCIATE HOW IAM LEARNING MANY THINGS THANK YOU GODBLESS YOU & ALL🌴🇺🇸🌴🀄🇺🇸🌴🀄🇺🇸🌴🀄
Amen 🤗
I have medicare AARP's United Health Care and I have some Dental insurance, but not enough to get my teeth fixed I need a top and bottom plate or just a new top plate and one bottom cap, one pulled , and partials only $20,000. Guess I'll be living on baby food before long, not sure what I'm gonna do.
I constantly see in social media that people under 30 have this strange idea that Seniors are just sitting around with huge bank accounts. My Dad is 81, he was a "contract employee" when he was told he didn't need to come to work the next day. No cake, no gold watch , absolutely no severance - just "you're 65, bye!'
My parents live on their social security. It's terrifying. I've been disabled for 28 years and can't work. We've always wanted to do the right thing, pay the bills, but they have been scammed, Mom always handled the money and she has Alzheimer's.
It is sickening that these good, hard working people who really could use help (someone to clean twice a month? No money for that), but I have no idea how to get that for them.
Seniors deserve respect, not harassment. Thanks for this, I'll look at the website.
There are many ways to make money from home that would help you and your parents. Selling on facebook or amazon is one way. Also Work From Home Secrets is supposed to be a good affiliate marketing course. His informercials are on TV regularly. He has a book and online course to teach you.
Make money online takes time if you're not digital incline. Plus it involves investing in valid education NoT scam education....and it's not get rich quick. It takes Work and diligence.... that's my humble opinion....but who says you can't Try.....
A while back, I helped several Girl and Boy Scouts get a Senior helping badge, by light cleaning my Mom's house.
At least you could ask.
If lived near Litchfield mn I do house cleaning
@@harrydague7071 depends what you made when you did work
I am a senior and I want to thank you for that information. I don’t have any financial problem but your info is nice to know.
Everyone Needs to know this, my husband is 70 and has just finished treatment for cancer, it's very difficult paying all the medical bills on top of household bills.And credit card bills. All of our credit is basically in his name and he's worried about losing our Good Credit Rating, as well as the fact that he has to go for frequent check-ups because of the cancer, or because it's left him with issues he may incur more medical bills while we're struggling to pay all the ones we already have because of the cancer. I hope you won't mind responding and give me much needed advice.I know we aren't the only ones dealing with these types of problems. Bless you for the work you are doing to help us Seniors, because most of us have no idea what to do. As majority of us have worked all our adult years and Always paid our debts.
@@glendalanden2916 You can call HELPS and ask for me, Eric 855 435 7787 Eric Olsen Executive Director HELPS Nonprofit Law Firm
This IS GARBAGE. YOU DON'T MENTION LIENS ON HOMES TO PAY DEBT.
IRS REFUNDS CAN BE ATTACHED IN BANK ACCOUNTS.
@@klouisville8760 m
@@klouisville8760 does this apply to the “twice the amount “ of the Social Security, Pension etc. rule? Thanks 🙏
I m a senior and I didn't know that,Thanks for the info.
7:26 " difficult 4 a senior 2 grasp "
Yah, I didn't know that.
I didn't know that either! Glad I know that now!
Do we have to get a lawyer?
Being one of the 50 seniors you'd have in the room, I am one who did not know about the twice federal benefit is protected. Thanks for the information.
Without a doubt, This is the finest group of people you will ever encounter.Thank you for all you do,and God will never allow your phones or lights to go off.
I knew that my SS is protected, but I didn't know about the protection on my bank account. Thanks!
I have experience with being unable to pay my old debts. I haven't responded to any letters, calls or judgements and have had no further problem. One judgement said that real estate could be affected; but since I don't have any, there's nothing to be concerned about. I paid my debts faithfully until I couldn't any more. It is a real relief to know that I am protected!
I'm in the same boat.
Thank you for your compassion for Seniors. Very reassuring information !
Thank you I was not aware of these laws were in place to help seniors.
THANK YOU IM A SENIOR OF 71 YEAR OLD THIS WAS VERY IMPORTANT TO KNOW….NOT TO ABUSE THE SYSTEM BUT TO KNOW MY RIGHTS AS A SENIOR…GOD BLESS!!
Glad it was helpful!
I have never heard of this...so glad I stumbled across this channel. I'm going to check this out.
Hw
J
It costs nothing for an initial consult with an attorney. One
I just became a senior last June. I'm happy I found this channel. There are so many things that now apply, it's a big help. THANKS!
I HAVE NEVER HEARD OF THIS. TFS THIS VALUABLE INFORMATION.
I didn't know this info eather
Does that still.ess up my credit
What is the name of this law?
Yessssss nice!🙏🏼🙏🏼⭐⭐
Thank y’all so much for this info.it will be a great help for senior s that just exist from month to month
OMG, thank you so much for taking the time and telling us what is HAPPENING in the SOCIAL SECURITY.
I have a dear friend who lost everything 4 years ago, because of a reaction to one of the canncer treatment drugs (immunotherapy) Yorvoi (SP?). She was let go from her job at age 70, and she had credit card debt and has been constantly worried about lawsuits and garmishments....I plan to show her this video. Thanks!
Kristi J you are a good FRIEND. Happy New Year and may GOD bless you real good!
Good info from an honest Lawyer is hard to find. Thanks
This takes a huge load from my back! Thank you for being here. I'm on disability from being rear-ended by 2 large vehicles, I also have 2 sons living at home who are on the Autism spectrum, I have plenty to worry about without having this on my back all of the time.
Nice to know. I just turned 65. Thanks so much.
This is great. No guesswork involved. I will be a senior next year , provided senior is 60 years old , and I will use your service. I'm sharing this letter with as many seniors as I know and thank you for being there.
My mother had some debt that creditors were calling over and over again. I told her to tell them that she would have her lawyer get back to them just to see what happened and she did and they stopped calling.
11 yes ew see
Did she unplug the phone?
@Wayne Collins with the sites "People Find" that won't work.
@@sweetsongstress7398 No She told them that she would get her lawyer to contact them.
Why didn't she just pay her bills?
I have never heard this. I have disappeared my bank account money since freddie and fanny. I only keep a months worth of money to pay my my fixed expenses. I don't answer my phone unless it is a friend. Thanks for the good info. I hope.
Michael I'm sad you seem to have felt pressured to do the only friends route with the phone. I believe Seniors do live within their means as much as best they can, he seems to understand this.. Huge Companies , but especially the Government's part, don't seem to get better. Often the worst
. Happy New Year for 2021 and I send this greeting. out to all of the people who might be reading this. What brought you to this part during the Pandemic on New Year ? Good luck. I saw a post from a so called professional on here doling out advice, and making some assumptions which I believed to be wrong or misleading. . If you see something, say something. There I've said it ------Again !
ah, I know all about them, they stole my home....I too, only keep a month's worth of payments in there. Smart move.
@@moneypenni1694 how did they steal your home?
@@Savannah-ed4rv ; foreclosed on me & evicted me. I didn't know then what I know now, or they would never have been able to pull it off.
Thank you both for this introduction to Senior Living and HELPS!
Merry Christmas!
Our pleasure!
Thank you so much
I'm not trying to ignore my debts.
But I'm so thankful that you started " HELPS " God bless you sir!
Thank you so much for the useful information that the seniors are entitled. I believe in our Government that helps it's citizens in many ways, especially the seniors and veterans. Special thanks to this law firm that try to help the seniors.
Hi I have been registered with Helps for atleast 2 years. I am not a senior citizen but I am disable...they helped me stop a garnishment from my school loans. They also helped me with my IRS problems. I was very pleased with their program. This company is very knowledgeable & there customer service is excellent & they return calls & follow up the same day/the next day. This is a real testimony 😊. I would refer anybody to the Helos organization. I was able to keep a piece of mind through challenging times
They helped you with the IRS?
As far as student loan debt, i had most of mine WAIVED due to disability. FYI. I fought for 5 long yrs. But it finally happened. It pays to question everything! I ask an abundance of questions .
@@jewels7139 yes Julie. Helps actually helped me apply for Non collectible status...I believe it's also called the 53 status. They did a conference called & notified IRS that they will be representing me...After that helps gave ne information on filing for a medical discharge.The school loan was waived & I was placed in non collectible status. Helps assistamce made me stop living in fear😊. I eventually was Brave enough to fill out the forms for a offer in compromise & I am presently waiting for a answer. IRS said to expect a decision around Feb 2. Helos Org ... actually took a tremendous amount of stress off my shoulder & made me tackle my fears. I just want to add on...I filled out the offer in compromise forms myself & irs walk me through the process. BY the way I felt comfortable enough to ask irs lots of questions & they were quite helpful. I wish everybody all the best on their economic journey. Happy New Year
God Bless Y’all. I know plenty seniors and I’ll let them know. Thanks
I'm a medicare insurance agent in AZ... this is helpful for my clients. Thank you.
Do you service yavapai county
Very good information thank you I’m a senior citizen and I know now what to do
Thank you!! Alleviates much of the stress I've been experiencing!!! Thanks again!!!
Thank you for this information because a lot of us as seniors don't know that we are protected from our money being taken God bless you
MOST of these 'Debts' involves incorrect MEDICAL Debts, from OVERCHARGES.
That's true! Remember you can request a copy of your credit report from the three agencies. You can dispute any thing on your report/s. Having those debts removed can even raise your credit score.
The tricky bit, is getting accurate records copies from providers. ESPECIALLY if you entered the care system via the emergency room. One must literally request an itemized billing--most never give you those. THEN, you need to scrutinize the billings, and QUESTION any items you think don't belong.
That might need sitting with a hospital social worker or nurse or billing office, to explain the items on the bill to you. THEN you have to fill out a form to contest the wrong items, and request they be removed.
Pitfalls of this: The providers KNOW they can easily buffalo patients and their families. It happens ALL THE TIME, pretty much everywhere I've ever worked, in 2 States, and heard plenty from others who've worked in other States.
--> OFTEN, records are lies, both flagrant and of omission....not only of what was done, but what supplies got charged to your bill.
--> WORSE...if you experience an adverse reaction to any treatment, those are mostly NOT charted, UNLESS they cannot avoid it.
Most patients and their families are CLUELESS of adverse reactions.
Most, IF they are charted, are made to appear as entirely different "problems", given Diagnosis Codes making SYMPTOMS into stand-alone diagnoses of their own--which is very wrong---but that is one big reason why healthcare has become so derailed from healing.
That applies to at least the last 40 years of vaccine adverse reactions, drug or other treatment reactions whether in or out of a hospital or office.
Then there's all that split billing from individual providers.
[lost typing due to gargle glitch]
The USA is one of THE MOST COSTLY countries to live in, specifically for health care of any kind. Medicines, surgeries, treatments, everything, is charged at the highest prices.
INSURANCE industries and PHARMA industries, have made the US healthcare system what it is: extremely, unrealistically costly, and,
got laws passed long ago, limiting Docs to only diagnosing, not curing. No one can legally claim they have cured anything.
Docs are legally restricted to use only "poison, cut, burn" [drugs, surgery, radiation]. The reference books for Diagnoses codes, and for drugs, have grown exponentially in size, more because Pharma has made a huge business of reinventing thousands of Symptoms, into stand-alone "Disease", because they have invented drugs for those. And medical devices. etc.
The feedback loops that determine how much, and when, prices get raised, is truly Machiavellian. Kinda like Tax laws.
Yeah those medical fockers gouge you and then want the bill paid yesterday :(
That is the main thing us oldies get
I paid off the overbearing medical charges, but still have student loan debt. BOTH of which were ridiculous.
Thank you, Jeff, for presenting this information and thank you, Eric, for helping our Seniors.
I didn't know this. I tuned in just at the right time. Thank you for that useful information. Very, Very Helpful.
Sir, you are awesome to help seniors as you do!! Thank you! God Bless!
Thank you so much for this information. I didn't know about this federal law that protect seniors from debt collectors.
You are offering an invaluable dearly needed service. I will talk with my husband and we will definitely "sign up." Thank you.
Well thank you Sandra. We will always be here when you need us.
Thank you, so very much. My dad work for southern Pacific Railroad he passed away December 6, 1974 and his pension is still being held $130.000 130,000 principal no interest my mother went through other hell I put myself in school my dad was a veteran and I’m sure I’m not the only person to go through this nor was my mother she received three checks and died in 1995
THANK YOU ! THANK YOU ! THANK YOU ! for this VALUABLE, EDUCATIONAL INFORMATION that very FEW senior's are AWARE
You are correct very few seniors are aware of their financial rights and protected income Eric HELPS Nonprofit Law Firm
Thank you sooo much I’m a new sub 64 years old and I have a SONYMAE mortgage we’ll we have not paid our mortgage since the pandemic now SONYMAE says we CANNOT put the money owed on the back of the mortgage ugh I’m so upset. I’m looking for help anywhere!! Thank you sooo much I’m so glad I found you! Love Karen Long Beach NY FYI I only have 2 years before my mortgage is paid off ok ty
In California; If you're debt is over 4 years from last payment, that debt becomes "time-barred" - judgment proof. What a relief.
Most debt collectors illegally just re-age their begin date to keep it on your credit report way past 7 years. Child support will garnish re arrearages, too, if you're SSDI.
@@AnnieinKC À]])
@@AnnieinKC
Can you help me I'm a senior of 65 all my social to pay bills.
@@peggyoneal8402 what does that mean "all my social to pay bills" ??
@@peggyoneal8402 you need to reach out to them, they usually don't respond to you thru here
Thank you for your information on the Senior Law!!! Have a blessed night because you deserve it!!!
This is good news. Debt collectors DO NOT CARE ABOUT OUR NEEDS,ONLY THEIR OWN !! There needs to be more wide spread info regarding this matter.
My mom died a few years back and she had a small balance on a credit card. My sister contacted the company to pay it off and the CSR said “she is dead. Why do you want to pay this?”
Sad that she didn't know that. The working class is trained to do what the rich know not to do. The Bible says that after death all debts are paid. Slavery says otherwise.
@@ThePerimeters Wow... that saying was prolific!
Right
After both my grandparents passed away ,they had gotten there check in the mail within days after their deaths we mailed the checks back with a note that had the information on each of their deaths and we got a letter & phone call back thanking us for being honest human beings ,thos is the way I was raised ,honesty is best !! I'm the one who has to look myself in the eyes at night before my head hits the pillow each night ,did I do my part as a good person today and then you can sleep easy 😁👍
The debt wasn't your sisters.
Surfing UA-cam has never been more beneficial. Thank you! God bless you!
Our pleasure!
Just found your Chanel. My 82 yr old mother lives with my sister who cares for her. I take care of her finances. She literally lives on a social security check. Most of her expenses are medical related. She was so close to being denied chemo a couple years ago. She makes about $100 dollars too much to qualify for the states Medicaid as a secondary insurance. She has had several falls, broken bones, surgery and therapy. Therapy a couple times a week is so expensive. I do pay her medical portion but this is good information to know . Thank you.
I am so happy to have found you and your website!!
Thank you for just being there to help
WoW!!! Didn't know that,ty so much!😀
Thanks for sharing, I am way below the poverty line, $10,000 a year on social security benefits. Judgement proof, is new to me!!
God bless you. What a great work you're doing.
Thank you so much!
Thank you.
This info is major weight off my
shoulders.
I had to default on three credit cards.
I had to move from Colorado
to a less expensive state to find & move into a one bedroom apt that my
brother & I could afford on our Social
Security.
So relieved with this video. Learned a lot. Thank you both for advocating seniors with their financial problems. Excellent and educational.
Very helpful information. I received a thing to go to court for a debt. I was panicked over it. Thank you for this article.
What a great and informative presentation! Thanks for the enlightenment. Even as a senior without current debt, this is great news! Thanks for what you do.
You are so welcome!
I have used the Cease and Decesease letter. You can get it at the Court House. Make copies and send them. It's great!
Thank you for this information.
I wasn't aware of this until I saw this video! Do they have similar rights to prevent losing a home for non-payment of property tax? If not, that needs to be protected as well. I am deathly afraid of losing my home for that reason. I struggle to survive on a limited income.
States have different laws regarding property taxes. There may be options depending where you live. You can call HELPS with questions
Thank you! $900 SSI. I lost my insurance when I retired.
if you reply to a debt collector, whether or not the debt has been sold to someone else, DON'T REPLY TO IT...THIS STARTS THE TIME LIMIT (or something) ALL OVER AGAIN. DO NOT REPLY CALL, TRY TO BE NICE & say you'll try to pay $X....have NO CONTACT with them!!!!
not quite correct. if you do not or can not pay a bill, credit card... the credit card company is obligated by law to charge off the account after 180 days soooo you may after this time receive a statement from a "collector"... do you have a contract with the "collector" NO YOU DO NOT. but you must reply within 30 days so...YOU MUST NOT PAY ONE CENT but contact your attorney who you will NOT have to pay...If the collector calls and want you to pay just tell them: I WILL DEAL WITH THIS BUT IN WRITING ONLY. THEN CONTACT AN ATTORNEY WHO DEALS WITH COLLECTORS... YOU WILL BE GLAD YOU DID.
And whatever debt collector has your debt. You did not sign a contract with them.
@@eliasa.740 .....Lol. just ignore um!
When they ask you if you "is your name such-and-such...and you say YES ...that is considered a contact .and the statute of limitations re-starts!!!!!
Llh
After a terrible 2022, shell-shocked financial backers have a lot to think about and losses to recover from. An expansion report and a wealth of other data did little to alter assumptions that the Central bank would likely keep raising interest rates regardless of whether the economy slows down. This implies that portfolios will experience more losses during the first quarter of 2023. I'm currently at a crossroads deciding whether to exchange my $250k security/stock portfolio; how might the continuous market volatility work to my advantage?
@wilsonkelvin2531 In fact, ever since Coronavirus, I've been in regular communication with financial examiners. Nowadays, buying moving stocks is quite easy; the trick is knowing when to buy and when to sell. The section and leave orders for my portfolio are made by my counsel. accumulated more than $550,000 from a $150,000 savings that was initially stale.
@@MarcelPhilips Please provide the information for your investment advisor here. I really need it now.
@@MarcelPhilips Thank you, Going through her profile on her webpage out of curiosity, and surprisingly she seems proficient. I appreciate this.
Very informative...all seniors please watch this!!!
Thanks, I'm SSDI and this helps my bank actually took money out of my bank account to pay a creditor. I got it back but it took months I pulled by Benefits from DD to Direct Express to keep it from happening again. I hate the Government card But at least no one touches them now. I just have almost no money in the bank these days.
I would bet it was a Credit Union not a bank. This rule has been in effect since 2011 but we still occasionally run into credit union's that are ignorant of the law and yes occasionally a bank. We are able to get the money back Eric Olsen HELPS Nonprofit Law Firm
Same here. I close my bank and got government card. Less stress
Love your info. Info is everything for all of us. Changes in age is a missing commodity. Thanks
Thanks for helping our older people we need you and your Service
Thanks for the info and advice. Seniors need all of the help they can get. Grateful to both of you men.
They need to make a law that collection agencies can’t sell your account. I have credited card companies sending nasty letters to get me to pay for my deceased father’s credit cards. Fortunately I know I’m not responsible. My Dad had no estate, he lived me, and no will and no executor. I received a small Life Insurance policy that paid for funeral expenses. They can’t take Life Insurance monies. So they’re sucking air and I file 13 all their corespondents.
atta girl
If what U're already doing is working, then U may not need this suggestion. I simply put the funeral parlor prayer card in the env. W the statement stub n mailed it back with only serving as the necessary explanation of no payment submitted n I never heard from them again. Good luck n God bless
@@karenraynor8562 I have actually spoken with them on the phone and sent them copies of his death certificate. It’s a tactic that they use to try to scare family into paying for their deceased parent’s debts. Not to worry it’s a waste of time on me. Like I said I file 13 everything they send. I suspect they will eventually stop sending. They even tried to say they could take “the” house to assume it was my Dad’s. No it’s my house in my name and they can’t touch it. It’s just very sad that there is so much dishonesty out there and there are some people that they can scare and intimidate into giving them money. Money that is legally not theirs.
@@marthasavage4129 check your state laws and an attorney... if those letters are from creditors DEMANDING that YOU make payment upon your deceased fathers unsecure debt.... you might be able to sue them. In my state, it is UNLAWFUL for a creditor to go after OTHERS for a debt... and if they send letters, telephone calls and the Like demanding payment, we can SUE them in our state.
If memory serves me correctly, in my state, they are also fined $7,000.00 by the state attorney general for each contact/demand of payment...
One of the nations biggest cases against such unethical credit collections was won in my state... making the poor family very wealthy...
@@paxvobiscum1792 Thank you for that advice. I will surely look into my state laws and proceed accordingly.
This is such great news to this 80 year old lady!
Thanks for watching Sadie!
NEVER KNEW ABOUT THIS 😮 THANKS FOR SHARING👍
Thank you, thank you. Your videos give comfort!
Thank you!! I really appreciate this !! I will certainly pass this to my senior relatives and friends!!!
Can credit card companies get there money from your spouse when you die. Spouse would be on social security and pension.
If the card is only in the name of one spouse it is not the practice of credit card companies to attempt to collect from the other or surviving spouse even in community property states. Eric Olsen Executive Director HELPS Nonprofit Law Firm
No. Personal debt is..."PERSONAL".
When the person is gone , the debt is gone.
Collectors will lie to you. They do not want you to know this fact.
@@ericolsen2141 what if I die and my kids are the inheritors of my estate? Will they have to pay my balances on my credit cards since their name is not on the credit card account?
Thank you for this wonderful information, love the podcast and your guest, as well 🙏👍
Goodday sir Jeff & sir Erick oh happy day sooooo relived my check& all other seniors income checks r protected from collectors praises to u both God bless you and stay safe 🙏🏼🤗🙃⭐💜
Good to know Lowered my anxiety.
MINE ALSO !! THANKS
Thanks for this information! It’s great.
Great information to have, thank you !!
I don’t have any debt thank God, but this is very good .
Great information for us Seniors 👍🏾👍🏾👍🏾
Good to know, my medical bills are a source of harassment continually, as my SSDI doesn't pay me enough to pay medical bills and pay rent and utilities too.
Few videos in UA-cam have been as helpful as this one! Thank you so much!
You're very welcome!
Thank you guys, your incredible! Keep up the good work...
The IRS and school loan took money from my social security! I had it resolved.
Same thing happened to me
How did you resolve this I owe student loan and irs
Great to know THANK YOU! WOW and to HELPS for providing a valuable service. I have had the IRS harassing me again and I am over 65.
Glad to be of help!
Whenever you forsake good credit by failing to make payments, you will always LOSE lower interest rates and the ability to refinance at lower rates. This costs seniors billions.
Go to a state and city with very low costs of living and drive a beater used car. Read up on penny pinching. You can learn on line to cut 1/3rd of your expenses without feeling any “pain” at all.
After a while you will enjoy your NEW power over your finances.
Sanjosemike (no longer in CA)
Sounds awful.
@@chiphill4856 Most people who make bad decisions always blame the inevitable results on something or someone else.
Sanjosemike (no longer in CA)
@@sanjosemike3137 true
Is
I already live on nothing and drive a car that is 20 years old with 245,000 miles on it. Not everybody can afford to move. I live in a state that got big tech come to it. That raises all the expenses for seniors. I already have a roommate that I split expenses with. I just wish I could afford dental care and new glasses, but my credit is maxed. I never did have low interest rates. If I had then I could have been able to afford my bills.
I had no idea what I was this missing awesome information. Great stuff!
This guy he is interviewing is a great guy. When I called, he talked to me personally. Told me flat out I did not have to file bankruptcy at my age. 64. He was right. I just stopped paying and when the debt collectors called, I told them "I'm 64 and I don't have to pay you. Don't ever call me again" They never did.
That's great news!
Thank you.... Very very much ! ❤
Please assist me in filing for past creditors stealing my SSD benefits for the last 20 years...
Jesse Galleg.They have been stealing mine for 14years now.
You got the number, CALL IT..
I was supposed to call today. Illness and no sleep kept me from calling. I will call tomorrow, Thank you sir,
Hope everything works out!
This is very helpful, thank you so much for sharing.
Fantastic, thank you.
thank you for your good deeds to help us senior , blessed your heart and your life
What happens if they have already taken out of the$1,400 what am I supposed to do with it I just don't know what to do
not sure what you mean by "they."
What about federal student loan debt? I've heard that they can be extracted from you by garnishment and liens no matter your age or income source or level...
II have answered this throughout this string. I believe SeniorLiving will be doing another video very soon where we will focus on student loans and taxes Eric Olsen Executive Director HELPS
The IRS and Public Student loans can offset 15% of SS. However almost lower-income seniors can obtain non-collectible now status with the IRS and pay nothing. The same with student loans but that is called income-based repayment which is most often zero dollars per month. HELPS Nonprofit Law Firm assists seniors with this every day,.
I'm a senior. My Socisl Security check was garnished for payment of student loan debt. And, Social Security is a government agency. I needed up getting the money back through my bankruptcy attorney. But, even then it took six months.
I was sued by a credit card company and did not know it untill I found my accounts wiped out. The bank did not notify me either.
That’s terrible.