Let me make it clear about SSI & credit debt

I presently get SSI (i am a grownup and I also are now living in VA) and have always been having troubles making my bank card re payment each now because of the interest month. I’ve seen on other web web web sites that it is okay if a household people pays off the card that it will not affect your SSI for you if they directly pay the bank and not give the money to you. Ended up being wondering if there was clearly any truth for this? I would personally rather maybe perhaps perhaps not register bankruptcy and ruin my credit. Many Many Many Thanks!

Hi there, i’m very sorry to listen to that! Some forms of help that exist from family relations count as “in-kind help and maintenance”(ISM). I am perhaps not completely certain that a relative paying a credit vehicle bill matters as ISM, you might contact your SSA that is local office this, they may be able better make clear if this particular help will be considered ISM.

I experienced simply read previous that if a family member pays your credit card debt than that counts as an income to you and could be deducted from your SSI today

In respond to I experienced simply read previous by Veronica (not verified today)

Hi Veronica, which may be the situation, it may possibly be an idea that is good contact the SSA regarding this if this is one thing both you and a member of the family are organizing.

My adult daughter receives SSI for her impairment. I’m her Payee. She received a bond that is old her grandmother for over 12, 000. I will be told that she must down spend that money to maintain her eligibility.

She’s got several old medical bills she can buy household furnishings, appliances, clothing, etc that she can pay, and my booklet says.

Can she reimburse me personally for travel cost of transporting her to her physicians ( these are generally 140 kilometers circular journey and she’s got serious epilepsy and should not drive herself). ?

Can she reimburse me personally of other costs like investing in her dogs knee surgery month that is last? Or using her to Mayo Clinic and Cleveland Clinic 36 months ago?

Is there limits on what much she will devote to clothes, furniture, etc.?

In respond to My adult daughter gets by Jill ( perhaps perhaps not confirmed)

Hi Jill, Payee reimbursements are a cost, nevertheless they are limited to specific things for certain forms of payees. You may desire to contact the SSA regarding this.

I’m disabled by both Federal and State and getting SSI, meals stamps, medicaid medical health insurance. We have 3 outstanding cc balances of about 3k each. I simply havent been having to pay because We couldnt any further. cc business is using us to court, how to handle it? We have no asssets or resources.

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

Hi Gigi, i am not really certain, as creditor legislation differ by state and would impact your instance.

In respond to I am disabled by both Federal by Anonymous ( maybe perhaps perhaps not verified)

I have met by having an advocate lawyer (cost-free if you ask me) to aid me personally with my personal credit card debt. The lawyer said that I do not have almost anything to concern yourself with because i am judgment proof. SSI can’t be garnished, sufficient reason for having said that, credit card issuers will never be able to obtain any court in the usa to garnish your SSI. The creditors may attempt to sue you, nonetheless they defintely won’t be in a position to touch your SSI. The lawyer informed me that i ought to wait for credit card issuers to sue me personally then seek bankruptcy relief. Find your state that is nearest appropriate aid advocate!

We are now living in brand brand New Hampshire if that helps you to extralend loans payday loans offer reply to my past concern?

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

Hi Gigi, we are maybe maybe maybe not specialists in creditor legislation, and so I’m uncertain the advice you could be given by me in this scenario will be specially of good use.

We have a concern can my cousin spend the pay back money to his credit debt on their direct express card?

In respond to i’ve concern can my by Marcus ( maybe perhaps not confirmed)

He may have the ability to, but be sure he checks in aided by the SSA first.

Have always been we permitted to make credit debt re re payments with SSI? i will be contemplating finding a GAP card to purchase clothing (we cannot otherwise pay for garments), I quickly would have to spend the balance off monthly. I would like to know if i have to utilize my SSI strictly for lease, resources, and meals, or if perhaps i am legitimately permitted to utilize a portion from it to create minimal monthly premiums on credit debt. Many thanks. We are now living in Georgia, if that information becomes necessary.

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

It can be used by you for clothes. Nevertheless, because you’re getting a shop charge card, I would personally recommend checking in because of the SSA before doing that. Better safe than sorry.

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

I’ve a few bank cards, and We spend my credit cards with my SSI. I’ve never ever gotten into any trouble for that. Nevertheless, i did so ask Social safety about making use of charge cards, and also the security that is social explained it is okay to have and make use of charge cards so long as the bank cards create financial obligation that you must and want to pay off, and it is definitely okay in order to make month-to-month charge card re payments with SSI. You can also get that loan, a pay check loan, as well as an advance loan being on SSI; once more, this has to produce a debt you need to and want to pay off in to the creditor(s). Consequently, you are able to go on and spend your credit card debt along with your SSI without the concern yourself with it inside your SSI. You should be careful to not wind up deep in personal credit card debt where you wind up maybe not having sufficient $ to really make the minimal payments.