This is a terrific channel with information for seniors! Thank you! Keep up the good work! I became disabled after my husband passed away and I owed taxes that he didn’t pay and also I owed Student Loans! The government forgave both the tax debt and the student loans after I filled out a form for the IRS that they shared with the Department of Education! The only times I was contacted was by scammers trying to get money by threatening to access my bank account. I told them that I was forgiven those loans and reported them! Yeah! For the Good Guys!
@deeprollingriver52 I dispute your calling AARP a Liberal Flying Monkey. AARP is worthless for average Americans, when their aim is more toward the wealthy, and just wealthier Seniors. AARP also promotes big business, including private for profit rip-off medical Insurances, and others, even with its short stories they are woefully incomplete by providing little (if any) helpful information. And AARP it is often misleading, and lies by omission about Healthcare, etc. And most of the members of AARP do not use, or rarely use the discounts they offer, especially when most people can get Senior Discounts upon request anyway. So what you said deeprollingriver52 btw, nice user name) about AARP being "Liberal" has to come from a mindset of confusion in terminology, and especially even more so, when the word 'Liberal' is linked to "Flying Monkeys" which came from the movie, "The Wizard of OZ". These monkeys were sent by the witch to do her dirty work). Today the phrase for a "Flying Monkey" has since become synonymous with people who end up doing the dirty work of a Narcissist." Smh In saying that, this video and others like it do provide GREAT information that especially applies to Seniors, which fills in the large gap of the lack of information (for a large swathe of Seniors who need to know this, and Seniors who can and will benefit from it). SO, Great Job! And Thank You, SeniorLiving.org
I am currently on non-collectible status with the IRS. I just sent them a letter listing my income and my expenses. I didn't fill out a form, but in a few months, I received a letter telling me that they put me on Non-Collectible Status. However, they will continue to add the penalties if/when you pay. BUT, you can ask them to waive those penalty fees and they usually will!
@@Querencia7779 I don't believe my age had anything to do with it. I can't say they will always accept it, but if you TRULY cannot afford to make payments, this might work. I have done it previously and after a couple years, I was able to pay my debt off due to some money I received. So, I'm not doing it just to skip out of paying my way. You might try it & see if they will accept it.
I am self-employed. Last year I earned just enough to pay rent and utilities. I was on food stamps and other programs. I had no money to pay my self-employment taxes. I had some money in savings and that is what I used to pay my self-employment taxes.
Seniors who owe land taxes sometimes have to go hungry to pay their yearly taxes. In Wythe County Va people who are late on their land and home taxes are reported to the local papers and their names are put in there for all to see about their deliquent taxes...I have always believed that was an invasion of privacy. The county has got by with that for years...in Wythe county Va
Virginia like many other states has laws in place that help seniors and disabled persons who qualify waive property taxes or a certain amount of property taxes. Just search the internet for county and property tax waiver for seniors and disabled persons. Eric HELPS
@@SeniorLivingOrg I am aware of that but I do not think its fair to put people's names in the public papers for deliquent taxes. There are poor folks who own a house and are finding it hard to meet ends and get the taxes paid and its like punishing people.Also it invades privacy when they put names in the paper. Wythe county does it every year and the busy bodies and gossips wait for it every year so they can read the names. Its been going on for years and very cruel to the poor.
How I stopped paying income taxes at 31: I just stopped. How I stopped filing returns at 31: I just stopped. What I did to figure this out: I actually READ "Title" 26, with a law dictionary (NOT Webster's) in hand. Read the LEGAL definition of the term 'includes'. It means 'ONLY YTHIS'. Then look at 26 USC 7701 (definitions) where it defines the United States: it says "includes the District of Columbia" - in other words, it is ONLY the District of Columbia. In other places, sections will say that it "ALSO includes" territories, possessions, etc. In some sections it mentions the "50 states of the union", but NOT as "The United States". So in other words, UNLESS you "reside" in the District of Columbia, you ARE NOT "within" the United States. And (reading relevant sections) unless you have "income" that is "effectively connected with the United States" - guess what? You do NOT have "income" that is "within" the United States. This is not fantasy, it is not "patriot" BS, it is BLACK AND WHITE, written right there in Title 26 (which, BTW, has never been entered into law by an Act of Congress). It is the rules, so to speak, of the Internal Revenue Service. What's interesting is that NOBODY ever asks what that corporation's title means. Specifically what does the term "Internal" mean - internal to what? THE TREASURY DEPARTMENT! Well, what is "The Treasury Department" a department of? The FEDERAL RESERVE. The "Treasury" of the United States, as far as I've been able to figure out from my research, no longer exists, or has no actual function "within" the corporation we call the United States. There' a lot more to this, wherein one can find out what's the REAL situation with this corporation called the United States, what OUR relationship is to it as people out in the American states, and how almost nothing we've been taught about this "country" is true, but it's a lot easier if you ust go to anna von reitz' website (run it together and add com). She's not the only one who's be saying this, as The Informer and his fellow researcher found this out back in the 80's, and Karl Lentz has been teaching how to use common law, based on this info, but I figured it out on my own in the mid 80's - because I realized LEGAL terms rarely have the same meaning as everyday ordinary language words. That's why you have to use a LAW dictionary when reading statutes, codes, rules, regulations, public laws, etc.
I like it. I don't pay a damn dime to them, in fact they pay me over 2,000 a month and I own my home. They give me money to give back to them for their so-called taxes, but it's only $50 a year. I worked on and off, for 46 years and I've never made as much per year as I'm making now. Cindy's husband: a veteran...
Yeah it's actually corporate law everything is a corporation period and the District of Columbia is its own state. There is a tribe in this world that has attached these taxes to the people because America went bankrupt in 1933; furthermore for the Payback a Social Security number was attached to everyone being born. This number is a corporate number to the corporate District of Columbia. Putting your name in all caps to where you are obliged to pay taxes in order to pay back the money changers. The IRS is not a federal agency. It is a private Corporation.
I really appreciate these videos! I am 100% debt free and my taxes are 100% paid up but it is still good to know this just in case anything ever happens. The only thing I wonder about these videos is how old do you have to be to be a senior for all of these different things? Some people say you are a senior at 62, some at 65.
Thank you very much!!! Explain it very well,where even me can under- -stand. Explaining is very important to seniors n is some- -what illiterate in understanding legal trivia!!!! Thank You Charlie May
For the vast majority of seniors, at least right now, tax rates are very favorable and you will pay none or very small amount (which is more than reasonable). If your only income is social security, it will be zero. If you want to live in this country, paying some tax is patriotic. Now I do think the tax on social security is bad and should be overturned. You should receive that tax free.
@@tamiweber7118 well, I said if your only income is social security, you pay no tax. So most seniors pay no tax. If you have other income, your social security may be taxed, which I oppose.
We all pay taxes that pays in to our benefit such as roads and schools via the states sales tax program and luxury tax programs…u put gas in ur car right? Half the amount I pay per gallon is a luxury tax that pays for the highways and interstates….income taxes go to the national debt interest only
I wish the ARRP and their Lawyers should fight for seniors to get the taxation of Social Security and 401k and IRA benefits repealed in Congress and our new so called progressive Politicians in Washington and President Biden should support the repeal of taxation of retirement benefits if they have any moral compass st at all?? Plus fight for decent Cola raises on Social Security benefits of at least 5% yearly so we can afford to live and contribute to our economy? The AARP should become like the gun lobby for seniors in the areas that I have brought up?
@@stevenmckay3688 No he didn't write it actually, he was a Junior Senator and not on that Commission. What he did is VOTE FOR IT. And IT was levying taxes against what was then HIGH INCOME SS EARNERS. A Democratic Representative from Illinois, Dan Rostenkowski, introduced that bill (1983). www.usatoday.com/story/news/factcheck/2020/10/16/fact-check-joe-biden-okd-social-security-taxes-wants-savings-reform/5896512002/
IRS files a "notice of lien", not a Lien, which is a judgement after due process is invoked. Notices are not liens, but banks surrender the victim's funds unlawfully by treating a notice of lien as if it was a valid lien. This is a crime by the bank, but no prosecutor will charge them.
A senior friend of mine in Oregon owns her property and little falling apart trailer she lives in on the property. She has no retirement. She saves up her social security all year in order to pay her property tax. She has to get food card in order to eat. She got her food benefits cut off because of the $ she had in bank she saves up to pay her taxes. Absolutely ridiculous. She gets letters from IRS all the time because she is barely able to keep up with back property tax before the new tax bill comes in. I wonder if this is just an Oregon thing.
I pulled almost all my money out of my bank. She can pull her money out, then put it back in at the time she pays her taxes. Just keep your money out of the bank until the taxes are due.
Home stead act…see if she qualifies for the homestead act through the county she lives in…my parents finally qualified after paying property taxes on their home for 45 years…it’s been paid off for decades but they still had to pay taxes and insurance until someone told them about the grant through the homestead act that waived the amount
Thank you. I turn 67 this year and all my adult life I steadfastly saved for the property taxes. I always paid on time . Now no one will hire me when I turned 65 and I went on social security all because I did not find a job and my wife was sick. So i still saved and we paid . I was proud to. as the savings dwindle.
Many states have programs that discount property taxes for seniors. Also depending on your equity a reverse mortgage can provide to pay property taxes. Senior Living has a video on this you should look at. Eric HELPS
Homestead act…apply for it through the county u live in and pay taxes too ….what is with this trend where seniors are proud to pay taxes!? It is not something to be proud of because it’s doing nothing but funding wars in countries that hate us and are getting funneled into politicians pockets …ur paying the mob for a home u paid for and kept up ur entire life and ur proud to pay the mob to keep them up and going to do again to the next generation? Really?
People should be tax exempt,because the cost of living is so high today,and Social Security is not enough to live on and the Cola raise are a joke. Even with a 401k or IRA benefits are not enough to Iive on. Especailly live in San Francisco in which rent is even higher then the benefits. So if retirees total income is less then $85,000.00 yearly should be tax exempt status?
If a senior owns a house upon which the IRS has a lien, and there is a catastrophe -- the house burns down, say -- can the lien be taken from the insurance coverage?
Thank you for this wealth of info! It calms my mind ! I am a Senior and do have old debt! Right now trying to save my home! Working with a company now for that! Question- should I contact Atty Olsen concerning the old debt while trying to save my home!
I am 70+ . I owed the stat less than $300. When I received notice. I tried to go on line and use their system to choose payment options. I also made a payment at that time. The next thing I new, the stat went into my bank account and took far more than I originally owed. The bank also changed me $75. , to process. I am a senior retired., taking money from my 401k to survive.
Social Security and pensions are protected from state tax collectors. Twice the amount of monthly federal benefits including SS deposited into a bank account are protected from garnishment by federal banking regulations,. If you had another account then it could be subject to garnishment but if the source of the funds were exempt SS or pension then you could file a claim of exemption, However states make that process difficult or hide it. Sometimes Credit Unions don't understand the law and allow a garnishment by a state contrary to federal law. Eric Olsen Executive Director HELPS
I have been unemployed for almost a year and do get unemployment for now and Social Security. I am a travel agent and don't know when I will go back to work. My income is a big ?????. I joined HELPS this week. They are the real thing. A great organization that really is helping seniors.
I'm 71 and the noise is terrible I'm 98% deaf except for crippling noise in my head.2/9/21 at oh 12:45 am I went to my frequent pit stop bathroom I was walking out and felt myself start to pass out from noise I caught myself on sink .I didn't go down...but frightening think about injury..my toes r now distance friends..
This video deals with income taxes. Property taxes are governed by state laws. Some states have programs to defer, lower or even waive property taxes for seniors with lower income
My husband worked on the road for 17 years and new York is the only state we have to pay all the time. He is a resident of michigan. Is there anything we can do to not pay them. They are the only state that makes us pay
can you make a video on how expat seniors living and working in other countries can get help to get home and if they are staying how to open a bank account living abroad. i have saved a little bit but don't know how to get it home... i don't want to carry cash and have it taken at the border or stolen... what are our options and the laws on returning with cash. I am an english teacher in china and want to come home in the next year or two but cannot get answers to these questions
My husband gets Social Security and a pension, and we still pay property taxes but at a substantially reduced rate like 50 bucks per year. A veteran's wife.
@@Brenda1253 Some States tax Seniors differently then the General Public. You should check your state's property tax laws. There's probably an Official Website set up for you.
@@suzihazlove4979Call your local representative. Call your County Courthouse, ask your tax preparer. Depending on the seniors income, they maybe edible for a reduction in taxes after they fill the paperwork out then a refund will be sent. In our state my parents received a discount on their school taxes and $385.00 back out of the $1000.00 they could've received depending on their income. Some renters can qualify too.
i had to pay on a loan because of the bush bust. they took a big part of my social security and thats when i found out i owed it. so i paid them.i got no notice. they just took it from my check.but i just paid them from the 1200 covid money.and as you went on it was the address thing.
How can you find out whether u need to file or not, for sure? Most accountants won’t tell you unless you bring your income tax in to file and charge you just to see. I draw SS plus a small pension from AT&T. The filing fee is expensive when I don’t think I even need to file, yet I don’t want to cheat.
In the book Meet Your Strawman on page two it talk about Loan and Montage and loan it says both loan and mortgage paid from day one people can pay again if they want too do you Sir know any thing about what stated here?
Before founding HELPS I probably filed 40,000 bankruptcies. I have been an attorney now for 42 years. The IRS as a practice does not take a person's home. They can file a lien but that is it. Perhaps in very peculiar cases with persons with very very high taxes and very valuable homes, they might take steps but if your CPA told you that he was incorrect. The right to do something and what happens in the real world is often completely different. The video talks about set off of SS, garnishment of income wasn't addressed.
GREAT information........but I was also looking at your bookcase behind you......DUMA KEY was an absolutely awesome book. There are others back there that are great as well, but Duma Key just jumped out at me. Love your obviously great taste in reading material. ❤️❤️👍🏼👍🏼
This is such a goldmine of valuable information and I'm so glad found your UA-cam page because you've provided so much helpful information for me that I can pass on to several people I know that it will be very beneficial to or better yet I can give them your UA-cam page information as well.
You said something about owing for 10yrs.and then it's written off.I have state tax debt owed from my 2011 income filed in 2012.is the 10yrs.up in 2021 or 2022?I was told no payment plan monthly and the only thing I could do was a lump sum offer.I never could do that and now have had soc.sec.for 1 yr.now?what should I do now?
Possible but I don't see this happening with seniors who are receiving Social Security. They might file intent to offset 15% of SS which this video discusses on how to stop or prevent
Would you please separate the info between subjects?I have listened to a couple videos and still don't have info.correctly.interested in state tax debt.
LOOK UNDER THE VIDEO FOR THE WORDS "SHOW MORE"!...CLICK ON IT AND YOU WILL FIND WHAT YOU'ER LOOKING FOR!...I HOPE THIS HELPS!...GOD BLESS AMERICA! 0:-)
State tax collectors cannot garnish SS and pensions. Your income is protected in a bank account as described in the video from garnishment by a state tax collector. Twice the amount of monthly federal benefits is protected automatically in the account into which they are deposited no matter the actual source of funds in a bank account at a time of garnishment. This applies to judgment creditors INCLUDING state tax collectors. Eric Olsen Executive Director HELPS Nonprofit Law firm
Google “lower property tax for seniors and put your county or city and state” also “Homestead tax break and put your county or city and state” play around with the wording and write the information with numbers down to use as a reference.
When the firm closed is went bankrupt I collected unemployment which was not enough to cover my mortgage or anything else. I borrowed from my 401k/IRA. I did not take out taxes because I needed every cent. I was 54/55 in 2011. I still owe $2900 which is now $3935. I paid a little here and there. They called my case UNCOLLECTIBLE. However they never told me interest would build up if I paid a little or nothing. I'm collecting SSDI as of end of 2018. What can I do to remove all of it? I was told the monthly arrangement could be as low as $55. I cannot pay that much. In 10 years they can't get any funds from me. So what can I do now to give something each month or get rid of the $3935 for good? I hate having a government bill hanging over my head forever!
If you are on SSD and non-collectible now status wny are you worried? You dont' need to pay anything and the statute of limitations takes care of the tax after ten years. There is nothing hanging over your head. Eric Olsen Executive Director HELPS Nonprofit Law Firm
Wow...we got some real pit-bulls on here!! I guess they're gonna' rip your grammar all to h*ll, because God knows...that's what is important here!! Well, I for one thank you for your help and advice. Should I ever need help, I will get ahold of you! God bless!🤗
Question : I am 68 years old and was laid off from my job last May. I started collecting unemployment and did not have taxes taken out. Now texts are due to the tune of $1,500. How can I or is there a way for me to not have to pay these taxes? I have been paying $50 every month. I sent them a letter and said this is the most I can pay. After 7 months they sent me a letter with a lien if I didn't pay it within 30 days the entire amount. I called them and they said the reason I got the letter was because I did not set up a formal payment plan with them. The fact that I was paying consistently every month meant nothing. So over the phone you set me up on a $50 a month payment plan and told me to get online with their website and set up the automatic withdrawal which I did. Is there a way for me to get out of this at my age even though I am collecting unemployment of 854 every two weeks and now an additional 300 a week boost until September? I'm also collecting Social Security
It is difficult to answer these questions because of the lack of information. You are certainly talking about taxes owed to the state? The IRS would never take this aggressive stance. While your SS is protected from the state tax collector unemployment is not so sticking with the payment plan looks like it makes sense Eric HELPS Nonprofit Law Firm
I am 70 and still working part time and have a 401K. Why do I have to pay 20% Fed tax and state tax to take out my ???? Will I get that back when I file my taxes?
Depends if your contributions to the 401k were pretax or post tax. If pretax, you are deferring the tax to when you start receiving your 401k, if your contributions were post payroll taxes, then you already paid the tax and there is no taxes on the 401k distributions except on the investment gains made by your 401k because this is passive income and gains separated from its capital is income. Will you recoup the tax when you file your income tax...probably! This interview on UA-cam really doesn’t help you.
No. This video deals with income taxes, state and federal. However many states have programs that either reduce, eliminate or defer property taxes for lower-income seniors. Eric HELPS
I you been and will be on disability due to incarceration or mental status, your past taxes stop but the interest on that builds at an extranomical level. Is that true. This is what I have been told for a family member ?
IRS taxes have a statute of limitations for the collection of ten years. No matter, if your income is low enough and you qualify for non-collectible now status with the IRS it wouldn't matter if owed a hundred dollars or a million. They won't attempt to collect. And state tax collectors cannot garnish Social Security or pensions. So for lower-income seniors interest accumulating on past-due taxes they can't pay anyway should be no concern. It's like worrying about getting swept away in a tsunami in the middle of a Kansas prarie. Eric HELPS
So I have a question my dad is retired and my mom due medical issues is not able to work and well I remember last year the people on ssi got a stimulus for $1400 but the lady who did their taxes insist that the $1400 they're having to pay back are from what the irs gave them the child tax credit money now can someone help me understand how that happened
Here is a quote from the SSA: "If you change your mind about starting your benefits, you can cancel your application for up to 12 months after you became entitled to retirement benefits. This process is called a withdrawal. You can reapply later. You are limited to one withdrawal per lifetime."
?5amyy husband passed away in June i didn’t have enought money to file taxes . What do you do in this ,he didn’t work for Two years I still owe some of his bill from haveing cancer what do I do Zim paying some each month on each bill . He passed away in Jun..
If your income is from Social Security and other retirement income, that money is protected and doesn't need to be used to pay debt you can't afford to pay. Senior Living has some other videos that cover this topic that should be helpful. You should be fine. Eric Olsen Executive Director HELPS Nonprofit Law Firm
Property tax is levied by the county and state, not the federal government. (That's why the IRS wouldn't pursue your home. There's a case coming before the Supreme Court in which a state has not only kicked someone out of her home and sold it, but kept ALL the proceeds of the sale, much more than what was owed.
@@aureliaglenn2220They are due the difference if sold for more than taxes owed There is a process for this, I only heard about it through a buisness startup to help those in just this instance.
I am assuming you are discussing property taxes on a real property- a person's home. Property taxes are a different animal. They become a lien on the property and if not paid after time could result in foreclosure by the local government. Many states have programs to lower or eliminate property taxes for seniors with lower-incomes.
This video discusses income taxes. Property taxes are a completely different matter. Some states have laws that assist seniors with property taxes. Eric HELPS
I'm 70 and during pande ,I worked part time and received unemployment for. 6 months in 2021 when I filed because of the 300 they added put me over 20,000 by less than 200 now I owe 480 to irs, my income is only my ss check which I can't afford to pay. Are you saying file a 980 form for for not collectable status?
Not at all. Listen to the video again. However if your only income is SS and you only owe $480 to the IRS it is highly unlikely they would ever take procedures to collect the money or do an offset of 15% of SS. It is just too small an amount owed. You will get past due notices but that should be about it. Eric HELPS
This is some great information. Thank you guys. I’ve been in a situation with the IRS and they worked with me big time.
Great to hear!
Business to
This is a terrific channel with information for seniors! Thank you! Keep up the good work!
I became disabled after my husband passed away and I owed taxes that he didn’t pay and also I owed Student Loans! The government forgave both the tax debt and the student loans after I filled out a form for the IRS that they shared with the Department of Education! The only times I was contacted was by scammers trying to get money by threatening to access my bank account. I told them that I was forgiven those loans and reported them!
Yeah! For the Good Guys!
Thank you for this information, since the stimulus is not yet in my acct i was worried as i do owe a small debt , thank you so much
why would you want to avoid paying taxes in the first place may i ask
Taxes Should Be Over For Seniors ✔️⚖️
AARP is pretty much worthless.
Absolutely..
Leftist AARP
It’s a liberal flying monkey
Thank you for the heads up,,,another worthless subscription??? No way!!!
@deeprollingriver52
I dispute your calling AARP a Liberal Flying Monkey. AARP is worthless for average Americans, when their aim is more toward the wealthy, and just wealthier Seniors.
AARP also promotes big business, including private for profit rip-off medical Insurances, and others, even with its short stories they are woefully incomplete by providing little (if any) helpful information. And AARP it is often misleading, and lies by omission about Healthcare, etc. And most of the members of AARP do not use, or rarely use the discounts they offer, especially when most people can get Senior Discounts upon request anyway.
So what you said deeprollingriver52 btw, nice user name) about AARP being "Liberal" has to come from a mindset of confusion in terminology, and especially even more so, when the word 'Liberal' is linked to "Flying Monkeys" which came from the movie, "The Wizard of OZ". These monkeys were sent by the witch to do her dirty work). Today the phrase for a "Flying Monkey" has since become synonymous with people who end up doing the dirty work of a Narcissist." Smh
In saying that, this video and others like it do provide GREAT information that especially applies to Seniors, which fills in the large gap of the lack of information (for a large swathe of Seniors who need to know this, and Seniors who can and will benefit from it).
SO, Great Job! And Thank You, SeniorLiving.org
I am currently on non-collectible status with the IRS. I just sent them a letter listing my income and my expenses. I didn't fill out a form, but in a few months, I received a letter telling me that they put me on Non-Collectible Status. However, they will continue to add the penalties if/when you pay. BUT, you can ask them to waive those penalty fees and they usually will!
Great info! Thanks!
How old are you? And HOW OLD is the ‘legal age’ that you can do that with the IRS? 62? 65? What?
@@Querencia7779 I don't believe my age had anything to do with it. I can't say they will always accept it, but if you TRULY cannot afford to make payments, this might work. I have done it previously and after a couple years, I was able to pay my debt off due to some money I received. So, I'm not doing it just to skip out of paying my way. You might try it & see if they will accept it.
I am self-employed. Last year I earned just enough to pay rent and utilities. I was on food stamps and other programs. I had no money to pay my self-employment taxes. I had some money in savings and that is what I used to pay my self-employment taxes.
Seniors who owe land taxes sometimes have to go hungry to pay their yearly taxes. In Wythe County Va people who are late on their land and home taxes are reported to the local papers and their names are put in there for all to see about their deliquent taxes...I have always believed that was an invasion of privacy. The county has got by with that for years...in Wythe county Va
Contact the HELPS Nonprofit Law Firm, call 1-855-435-7787 or visit helpsishere.org.
Virginia like many other states has laws in place that help seniors and disabled persons who qualify waive property taxes or a certain amount of property taxes. Just search the internet for county and property tax waiver for seniors and disabled persons. Eric HELPS
@@SeniorLivingOrg I am aware of that but I do not think its fair to put people's names in the public papers for deliquent taxes. There are poor folks who own a house and are finding it hard to meet ends and get the taxes paid and its like punishing people.Also it invades privacy when they put names in the paper. Wythe county does it every year and the busy bodies and gossips wait for it every year so they can read the names. Its been going on for years and very cruel to the poor.
Gentleman, you are awesome! I will share and hopefully help others as you have just helped me💫
How I stopped paying income taxes at 31: I just stopped. How I stopped filing returns at 31: I just stopped. What I did to figure this out: I actually READ "Title" 26, with a law dictionary (NOT Webster's) in hand. Read the LEGAL definition of the term 'includes'. It means 'ONLY YTHIS'. Then look at 26 USC 7701 (definitions) where it defines the United States: it says "includes the District of Columbia" - in other words, it is ONLY the District of Columbia. In other places, sections will say that it "ALSO includes" territories, possessions, etc. In some sections it mentions the "50 states of the union", but NOT as "The United States". So in other words, UNLESS you "reside" in the District of Columbia, you ARE NOT "within" the United States. And (reading relevant sections) unless you have "income" that is "effectively connected with the United States" - guess what? You do NOT have "income" that is "within" the United States. This is not fantasy, it is not "patriot" BS, it is BLACK AND WHITE, written right there in Title 26 (which, BTW, has never been entered into law by an Act of Congress). It is the rules, so to speak, of the Internal Revenue Service. What's interesting is that NOBODY ever asks what that corporation's title means. Specifically what does the term "Internal" mean - internal to what? THE TREASURY DEPARTMENT! Well, what is "The Treasury Department" a department of? The FEDERAL RESERVE. The "Treasury" of the United States, as far as I've been able to figure out from my research, no longer exists, or has no actual function "within" the corporation we call the United States.
There' a lot more to this, wherein one can find out what's the REAL situation with this corporation called the United States, what OUR relationship is to it as people out in the American states, and how almost nothing we've been taught about this "country" is true, but it's a lot easier if you ust go to anna von reitz' website (run it together and add com). She's not the only one who's be saying this, as The Informer and his fellow researcher found this out back in the 80's, and Karl Lentz has been teaching how to use common law, based on this info, but I figured it out on my own in the mid 80's - because I realized LEGAL terms rarely have the same meaning as everyday ordinary language words. That's why you have to use a LAW dictionary when reading statutes, codes, rules, regulations, public laws, etc.
I like it. I don't pay a damn dime to them, in fact they pay me over 2,000 a month and I own my home. They give me money to give back to them for their so-called taxes, but it's only $50 a year. I worked on and off, for 46 years and I've never made as much per year as I'm making now.
Cindy's husband: a veteran...
Yeah it's actually corporate law everything is a corporation period and the District of Columbia is its own state. There is a tribe in this world that has attached these taxes to the people because America went bankrupt in 1933; furthermore for the Payback a Social Security number was attached to everyone being born. This number is a corporate number to the corporate District of Columbia. Putting your name in all caps to where you are obliged to pay taxes in order to pay back the money changers. The IRS is not a federal agency. It is a private Corporation.
I really appreciate these videos! I am 100% debt free and my taxes are 100% paid up but it is still good to know this just in case anything ever happens. The only thing I wonder about these videos is how old do you have to be to be a senior for all of these different things? Some people say you are a senior at 62, some at 65.
Thank you so much...I will be calling🤗
Thank you for the information!
Thank You for helping people!
Thanks for the very helpful information.
Ty for the valuable info
Excellent and enlightening information, I learned a lot ! Thank you !
The channel is a wonderful service you are providing. Thank you!
Very good and valuable information. Thank You for your service.
You guys are AMAZING. THERES ABIG SPECIAL CROWN IN HEAVEN FOR YOU FOR DOING THIS👍👍👏
Thank you for your kind words. Please share the channel with your friends.
Thank you very much!!! Explain it
very well,where
even me can under-
-stand. Explaining
is very important to
seniors n is some-
-what illiterate in
understanding legal
trivia!!!!
Thank You
Charlie May
He explained this to us in layman’s language 💯
This has always worked for me tell the IRS the dog ate your homework
Hey, this is right on info.👍
Hey, thanks!
Both HELPS and your site EXCELLENT. Keep up your great work.
Thank you! We appreciate your comment!
For the vast majority of seniors, at least right now, tax rates are very favorable and you will pay none or very small amount (which is more than reasonable). If your only income is social security, it will be zero. If you want to live in this country, paying some tax is patriotic. Now I do think the tax on social security is bad and should be overturned. You should receive that tax free.
It is tax free when that is your only income and you earn below the taxable limit. SS will be taxed.
You don’t have to pay tax on Social Security. You need to speak with someone about taxes and Social Security.
@@tamiweber7118 well, I said if your only income is social security, you pay no tax. So most seniors pay no tax. If you have other income, your social security may be taxed, which I oppose.
We all pay taxes that pays in to our benefit such as roads and schools via the states sales tax program and luxury tax programs…u put gas in ur car right? Half the amount I pay per gallon is a luxury tax that pays for the highways and interstates….income taxes go to the national debt interest only
@@tamiweber7118depends on the state and how much the ss amount is
Love this channel. Trying to help my mother with a few things. Thank you for this.
You're very welcome.
thank you for helping out seniors like me !!!!
Thanks Sir important info
Calling the IRS is a waste of time. They never answer the phone and when they do they put you on hold.
They do answer the phone but you might be on hold for up to two hours. Eric HELPS
Excellent info! Thank you.
I wish the ARRP and their Lawyers should fight for seniors to get the taxation of Social Security and 401k and IRA benefits repealed in Congress and our new so called progressive Politicians in Washington and President Biden should support the repeal of taxation of retirement benefits if they have any moral compass st at all?? Plus fight for decent Cola raises on Social Security benefits of at least 5% yearly so we can afford to live and contribute to our economy? The AARP should become like the gun lobby for seniors in the areas that I have brought up?
never gonna thappen
@@kaygrace5250 They're too busy making money off us!
It was Biden who co-wrote the law taxing SS benefits.
Agree, like why join them....
@@stevenmckay3688 No he didn't write it actually, he was a Junior Senator and not on that Commission. What he did is VOTE FOR IT. And IT was levying taxes against what was then HIGH INCOME SS EARNERS. A Democratic Representative from Illinois, Dan Rostenkowski, introduced that bill (1983).
www.usatoday.com/story/news/factcheck/2020/10/16/fact-check-joe-biden-okd-social-security-taxes-wants-savings-reform/5896512002/
IRS files a "notice of lien", not a Lien, which is a judgement after due process is invoked. Notices are not liens, but banks surrender the victim's funds unlawfully by treating a notice of lien as if it was a valid lien. This is a crime by the bank, but no prosecutor will charge them.
Good to know.
A senior friend of mine in Oregon owns her property and little falling apart trailer she lives in on the property. She has no retirement. She saves up her social security all year in order to pay her property tax. She has to get food card in order to eat. She got her food benefits cut off because of the $ she had in bank she saves up to pay her taxes. Absolutely ridiculous. She gets letters from IRS all the time because she is barely able to keep up with back property tax before the new tax bill comes in. I wonder if this is just an Oregon thing.
That’s a sad state of existence, poor thing😢
I pulled almost all my money out of my bank. She can pull her money out, then put it back in at the time she pays her taxes. Just keep your money out of the bank until the taxes are due.
Home stead act…see if she qualifies for the homestead act through the county she lives in…my parents finally qualified after paying property taxes on their home for 45 years…it’s been paid off for decades but they still had to pay taxes and insurance until someone told them about the grant through the homestead act that waived the amount
Thank you. I turn 67 this year and all my adult life I steadfastly saved for the property taxes. I always paid on time . Now no one will hire me when I turned 65 and I went on social security all because I did not find a job and my wife was sick. So i still saved and we paid . I was proud to. as the savings dwindle.
We are glad to help. Please share the channel with your friends.
Many states have programs that discount property taxes for seniors. Also depending on your equity a reverse mortgage can provide to pay property taxes. Senior Living has a video on this you should look at. Eric HELPS
Homestead act…apply for it through the county u live in and pay taxes too ….what is with this trend where seniors are proud to pay taxes!? It is not something to be proud of because it’s doing nothing but funding wars in countries that hate us and are getting funneled into politicians pockets …ur paying the mob for a home u paid for and kept up ur entire life and ur proud to pay the mob to keep them up and going to do again to the next generation? Really?
GOD BLESS YOU GUYS, THE INFO WAS EXCELLENT. THANK YOU.
Great info.
Glad it was helpful!
People should be tax exempt,because the cost of living is so high today,and Social Security is not enough to live on and the Cola raise are a joke. Even with a 401k or IRA benefits are not enough to Iive on. Especailly live in San Francisco in which rent is even higher then the benefits. So if retirees total income is less then $85,000.00 yearly should be tax exempt status?
Please explain “Cola raise”. Thanks 🙏
@@sheilasmith1109 cost of living adjustment
I subscribed and also fell in love with this kind good man(attorney) God Bless you both💜☮️🇺🇸
This attorney, Eric Olsen is truly a very good man doing valuable work for elderly.
Sure appreciate this info,..I am 68 and will share this with friends. THANK GOD I have no debt.😁👍🙏🏼🙏🏼🙏🏼
Please share the channel with your friends.
If a senior owns a house upon which the IRS has a lien, and there is a catastrophe -- the house burns down, say -- can the lien be taken from the insurance coverage?
Thank you guy's very helpful for me be bless...louisiana....
Thank you.
You're welcome!
Would like to hear about LLC going
Out of business during COVID now on
Social security only source of income
Thank you for this wealth of info! It calms my mind ! I am a Senior and do have old debt! Right now trying to save my home! Working with a company now for that!
Question- should I contact Atty Olsen concerning the old debt while trying to save my home!
Much thanks,
TY!
I just subscribed to Senior living. There is so much info that I had know idea of. Keep putting it out for us in the dark seniors.
Thanks for subscribing, glad we are helping!
Yes, thank you, new sub😃!
Great questions! Great answers!
Thanks for watching! Hope you're a subscriber.
@@SeniorLivingOrg Yes indeed!
Thank You Eric, I'm fortunate enough not to need the help at this time but the information that I might pass on is invaluable.
They are a blessing. I just signed up.they are so nice and helpful.i am so relieved to know my soc sec is protected
Glad you like them!
Sarah Manning, I've been with HELPS for over a year! They are their for us!
Thank you lots and forevermore Blessing both your lifestyle forever more thank you
Irs froze my bank account because I hadn't filed taxes for 3 years. I had to file the taxes and actually got an 8000 refund then the freeze was lifted
This information is such a huge blessing! Is there anything that can be done about student loans?
Depends on your income. You may want to call HELPS Nonprofit Law Firm www.helpsishere.org/
Ask specifically about PP loan- that is a rip off to so many! There is no way out - disability or death
I am 70+ . I owed the stat less than $300. When I received notice. I tried to go on line and use their system to choose payment options. I also made a payment at that time. The next thing I new, the stat went into my bank account and took far more than I originally owed. The bank also changed me $75. , to process. I am a senior retired., taking money from my 401k to survive.
Social Security and pensions are protected from state tax collectors. Twice the amount of monthly federal benefits including SS deposited into a bank account are protected from garnishment by federal banking regulations,. If you had another account then it could be subject to garnishment but if the source of the funds were exempt SS or pension then you could file a claim of exemption, However states make that process difficult or hide it. Sometimes Credit Unions don't understand the law and allow a garnishment by a state contrary to federal law. Eric Olsen Executive Director HELPS
How about property taxes on a house you inherited years ago?
Just subscribed. Seniors are important.
any one knows about the over the counter id card for low income seniors in nys nyc
Thank you so much! I live in Roseburg and will contact this attorney
I have been unemployed for almost a year and do get unemployment for now and Social Security. I am a travel agent and don't know when I will go back to work. My income is a big ?????. I joined HELPS this week. They are the real thing. A great organization that really is helping seniors.
Glad it was helpful!
That's great!
I'm 71 and the noise is terrible I'm 98% deaf except for crippling noise in my head.2/9/21 at oh 12:45 am I went to my frequent pit stop bathroom I was walking out and felt myself start to pass out from noise I caught myself on sink .I didn't go down...but frightening think about injury..my toes r now distance friends..
So sorry to hear that.
What about taxes on your home?
This video deals with income taxes. Property taxes are governed by state laws. Some states have programs to defer, lower or even waive property taxes for seniors with lower income
My husband worked on the road for 17 years and new York is the only state we have to pay all the time. He is a resident of michigan. Is there anything we can do to not pay them. They are the only state that makes us pay
State revenue departments cannot garnish Social Security and almost all pensions protected under ERISA Eric HELPS nonprofit law firm
can you make a video on how expat seniors living and working in other countries can get help to get home and if they are staying how to open a bank account living abroad. i have saved a little bit but don't know how to get it home... i don't want to carry cash and have it taken at the border or stolen... what are our options and the laws on returning with cash. I am an english teacher in china and want to come home in the next year or two but cannot get answers to these questions
My husband gets Social Security and a pension, and we still pay property taxes but at a substantially reduced rate like 50 bucks per year.
A veteran's wife.
Thanks for sharing!
How?
@@Brenda1253 Some States tax Seniors differently then the General Public. You should check your state's property tax laws. There's probably an Official Website set up for you.
How????
@@suzihazlove4979Call your local representative. Call your County Courthouse, ask your tax preparer. Depending on the seniors income, they maybe edible for a reduction in taxes after they fill the paperwork out then a refund will be sent. In our state my parents received a discount on their school taxes and $385.00 back out of the $1000.00 they could've received depending on their income. Some renters can qualify too.
i had to pay on a loan because of the bush bust. they took a big part of my social security and thats when i found out i owed it. so i paid them.i got no notice. they just took it from my check.but i just paid them from the 1200 covid money.and as you went on it was the address thing.
How can I get help with my Escrow
What about property taxes?
Property taxes are governed by individual state laws.
How can you find out whether u need to file or not, for sure? Most accountants won’t tell you unless you bring your income tax in to file and charge you just to see. I draw SS plus a small pension from AT&T. The filing fee is expensive when I don’t think I even need to file, yet I don’t want to cheat.
Contact the HELPS Nonprofit Law Firm, call 1-855-435-7787
In the book Meet Your Strawman on page two it talk about Loan and Montage and loan it says both loan and mortgage paid from day one people can pay again if they want too do you Sir know any thing about what stated here?
Sorry no
Yes they do take your home, my cpa said they can garnish your income. I am trying for a hardship
Before founding HELPS I probably filed 40,000 bankruptcies. I have been an attorney now for 42 years. The IRS as a practice does not take a person's home. They can file a lien but that is it. Perhaps in very peculiar cases with persons with very very high taxes and very valuable homes, they might take steps but if your CPA told you that he was incorrect. The right to do something and what happens in the real world is often completely different. The video talks about set off of SS, garnishment of income wasn't addressed.
@@ericolsen2141 Yes, but are you saying THEY CAN'T or simply that THEY DON'T typically do it especially for those of us from lower income brackets?
GREAT information........but I was also looking at your bookcase behind you......DUMA KEY was an absolutely awesome book. There are others back there that are great as well, but Duma Key just jumped out at me. Love your obviously great taste in reading material. ❤️❤️👍🏼👍🏼
Thank you!
Yes I agree. Maybe I will be able to get a little sleep. So thank you very much and I will call you in the mourning.
This is such a goldmine of valuable information and I'm so glad found your UA-cam page because you've provided so much helpful information for me that I can pass on to several people I know that it will be very beneficial to or better yet I can give them your UA-cam page information as well.
In Maine, the town foreclosed on my land. They have a lein on it now. How do I stop that?
You can call HELPS with your question or consult with a local attorney Eric HELPS
I do thank you very much for the information, you are a great help
You said something about owing for 10yrs.and then it's written off.I have state tax debt owed from my 2011 income filed in 2012.is the 10yrs.up in 2021 or 2022?I was told no payment plan monthly and the only thing I could do was a lump sum offer.I never could do that and now have had soc.sec.for 1 yr.now?what should I do now?
In terms commentary he stated 10yrs.
@@wendylouise7780 in reference to IRS taxes
Maybe just hide for one more year, to be safe
Is state irs tax debt different than what you were speaking of?
OMGGGGG...take this to heart:
I LOVE Y'ALL! I'll be calling.
Must seniors first file the tax form to get the non collectible status, or can they ask for non-collectible-status before before they file?
You have to first file taxes Eric HELPS
I've seen the IRS sweep a bank account to get their money.
Possible but I don't see this happening with seniors who are receiving Social Security. They might file intent to offset 15% of SS which this video discusses on how to stop or prevent
I heard after 10 years the irs cannot collect and it is written off? What happens if it is on my credit report
IRS debt is not reported on a credit report They also stopped reporting tax liens several years ago Eric HELPS Nonprofit Law Firm
Great info however, volume is too low
But if u don’t pay they kept on adding interest and the tax that is payable keeps on increasing plus they kept on sending to u a collection letter
True but so what? Also there is a 10 year statute of limitations for IRS taxes
Would you please separate the info between subjects?I have listened to a couple videos and still don't have info.correctly.interested in state tax debt.
LOOK UNDER THE VIDEO FOR THE WORDS "SHOW MORE"!...CLICK ON IT AND YOU WILL FIND WHAT YOU'ER LOOKING FOR!...I HOPE THIS HELPS!...GOD BLESS AMERICA! 0:-)
State tax collectors cannot garnish SS and pensions. Your income is protected in a bank account as described in the video from garnishment by a state tax collector. Twice the amount of monthly federal benefits is protected automatically in the account into which they are deposited no matter the actual source of funds in a bank account at a time of garnishment. This applies to judgment creditors INCLUDING state tax collectors. Eric Olsen Executive Director HELPS Nonprofit Law firm
Does this apply to property taxes? My husband, a 32 year veteran, passed 11 years ago. Shouldn't I get a discount?
Check your state laws. In Missouri, if you're over 65 & low income, you can get a refund of part of your property tax.
Yes
Check with your county tax collector. Many have exemptions for seniors with low income.
Google “lower property tax for seniors and put your county or city and state” also “Homestead tax break and put your county or city and state” play around with the wording and write the information with numbers down to use as a reference.
Also some have veteran exemptions.
When the firm closed is went bankrupt I collected unemployment which was not enough to cover my mortgage or anything else. I borrowed from my 401k/IRA. I did not take out taxes because I needed every cent. I was 54/55 in 2011. I still owe $2900 which is now $3935. I paid a little here and there. They called my case UNCOLLECTIBLE. However they never told me interest would build up if I paid a little or nothing. I'm collecting SSDI as of end of 2018. What can I do to remove all of it? I was told the monthly arrangement could be as low as $55. I cannot pay that much. In 10 years they can't get any funds from me. So what can I do now to give something each month or get rid of the $3935 for good? I hate having a government bill hanging over my head forever!
If you are on SSD and non-collectible now status wny are you worried? You dont' need to pay anything and the statute of limitations takes care of the tax after ten years. There is nothing hanging over your head. Eric Olsen Executive Director HELPS Nonprofit Law Firm
Great Q & A, Thank YOU BOTH SO SO MUCH 💯☀
Trued to call.. MAULBOX IS FULL.
I was sssooo hopeful. Than i called, and no one there. Heart dropoed!
You called the wrong number obviously 855 435 7787
you called the wrong number 855 435 7787
Wow...we got some real pit-bulls on here!! I guess they're gonna' rip your grammar all to h*ll, because God knows...that's what is important here!! Well, I for one thank you for your help and advice. Should I ever need help, I will get ahold of you! God bless!🤗
Thanks for the view!
@@SeniorLivingOrg Can they make you pay your deceased husband’s bills
@@janicekirkland8850 Senior Living will have a new video coming out on this very soon
Thanks for the information. Could you let me have the # of that lawyer 1855-helpus?????
855 HELPS US Help has an s on the end
Even with a pension and ss
I believe the video discusses pensions and the IRS Eric HELPS
Question : I am 68 years old and was laid off from my job last May. I started collecting unemployment and did not have taxes taken out. Now texts are due to the tune of $1,500. How can I or is there a way for me to not have to pay these taxes? I have been paying $50 every month. I sent them a letter and said this is the most I can pay. After 7 months they sent me a letter with a lien if I didn't pay it within 30 days the entire amount. I called them and they said the reason I got the letter was because I did not set up a formal payment plan with them. The fact that I was paying consistently every month meant nothing. So over the phone you set me up on a $50 a month payment plan and told me to get online with their website and set up the automatic withdrawal which I did. Is there a way for me to get out of this at my age even though I am collecting unemployment of 854 every two weeks and now an additional 300 a week boost until September? I'm also collecting Social Security
It is difficult to answer these questions because of the lack of information. You are certainly talking about taxes owed to the state? The IRS would never take this aggressive stance. While your SS is protected from the state tax collector unemployment is not so sticking with the payment plan looks like it makes sense Eric HELPS Nonprofit Law Firm
yeah once you pay them something they keep on you forever, you need to listen to this guy & clain a noncollectable status.
I am 70 and still working part time and have a 401K. Why do I have to pay 20% Fed tax and state tax to take out my ???? Will I get that back when I file my taxes?
Depends if your contributions to the 401k were pretax or post tax. If pretax, you are deferring the tax to when you start receiving your 401k, if your contributions were post payroll taxes, then you already paid the tax and there is no taxes on the 401k distributions except on the investment gains made by your 401k because this is passive income and gains separated from its capital is income. Will you recoup the tax when you file your income tax...probably! This interview on UA-cam really doesn’t help you.
@@richardayala4356 Thank you so much for taking the time to answer. I appreciate it. Hugs to you.
Are property taxes included in this ?
No. This video deals with income taxes, state and federal. However many states have programs that either reduce, eliminate or defer property taxes for lower-income seniors. Eric HELPS
I you been and will be on disability due to incarceration or mental status, your past taxes stop but the interest on that builds at an extranomical level. Is that true. This is what I have been told for a family member ?
IRS taxes have a statute of limitations for the collection of ten years. No matter, if your income is low enough and you qualify for non-collectible now status with the IRS it wouldn't matter if owed a hundred dollars or a million. They won't attempt to collect. And state tax collectors cannot garnish Social Security or pensions. So for lower-income seniors interest accumulating on past-due taxes they can't pay anyway should be no concern. It's like worrying about getting swept away in a tsunami in the middle of a Kansas prarie. Eric HELPS
So I have a question my dad is retired and my mom due medical issues is not able to work and well I remember last year the people on ssi got a stimulus for $1400 but the lady who did their taxes insist that the $1400 they're having to pay back are from what the irs gave them the child tax credit money now can someone help me understand how that happened
Definitely not enough facts to answer this question. $1400 to pay back what? Mom and dad have minor children? Eric HELPS
What if you are under FRA and made too much $? Is there a way to keep Soc Sec from taking the $1 for every $2 that they threaten to take?
no familiar with this accronym
@@HELPSNonprofitLawFirm Full Retirement Age
Here is a quote from the SSA: "If you change your mind about starting your benefits, you can cancel your application for up to 12 months after you became entitled to retirement benefits. This process is called a withdrawal. You can reapply later. You are limited to one withdrawal per lifetime."
?5amyy husband passed away in June i didn’t have enought money to file taxes . What do you do in this ,he didn’t work for Two years I still owe some of his bill from haveing cancer what do I do Zim paying some each month on each bill . He passed away in Jun..
If your income is from Social Security and other retirement income, that money is protected and doesn't need to be used to pay debt you can't afford to pay. Senior Living has some other videos that cover this topic that should be helpful. You should be fine. Eric Olsen Executive Director HELPS Nonprofit Law Firm
How about delinquent state taxes?
Federal law protects Social Security and almost all pensions from state tax collectors. I am sure this is discussed in this video. Eric HELPS
I knew 2 senior people who were kicked out of their homes because they need property taxes! It DOES happen!
This video deals with income taxes from beginning to end not property taxes. A different area completely Eric HELPS
Property tax is levied by the county and state, not the federal government. (That's why the IRS wouldn't pursue your home. There's a case coming before the Supreme Court in which a state has not only kicked someone out of her home and sold it, but kept ALL the proceeds of the sale, much more than what was owed.
@@aureliaglenn2220They are due the difference if sold for more than taxes owed There is a process for this, I only heard about it through a buisness startup to help those in just this instance.
Does this include property tax as well?
Contact the HELPS Nonprofit Law Firm, call 1-855-435-7787.
I am assuming you are discussing property taxes on a real property- a person's home. Property taxes are a different animal. They become a lien on the property and if not paid after time could result in foreclosure by the local government. Many states have programs to lower or eliminate property taxes for seniors with lower-incomes.
Does that include the legalized theft of property taxes by counties?
This video discusses income taxes. Property taxes are a completely different matter. Some states have laws that assist seniors with property taxes. Eric HELPS
I'm 70 and during pande ,I worked part time and received unemployment for. 6 months in 2021 when I filed because of the 300 they added put me over 20,000 by less than 200 now I owe 480 to irs, my income is only my ss check which I can't afford to pay. Are you saying file a 980 form for for not collectable status?
Contact the HELPS Nonprofit Law Firm, call 1-855-435-7787
Not at all. Listen to the video again. However if your only income is SS and you only owe $480 to the IRS it is highly unlikely they would ever take procedures to collect the money or do an offset of 15% of SS. It is just too small an amount owed. You will get past due notices but that should be about it. Eric HELPS
What is the age of senior status with the IRS???
Currently not collectible status is base on income not age Eric HELPS