We presently get SSI (i am a grownup and I also reside in VA) and have always been having issues making my bank card re re avant loans phone number payment each now because of the interest month. I’ve seen on other web internet web sites that it is okay if a family group users takes care of the card for you personally when they straight pay the financial institution and not provide the cash for you, that it’ll perhaps not affect your SSI. Had been wondering if there clearly was any truth for this? I might instead perhaps perhaps not register bankruptcy and spoil my credit. Many Thanks!
Hi here, I’m sorry to know that! Some kinds of help as you are able to get from household members count as “in-kind help and maintenance”(ISM). I am maybe not totally certain that a member of the family having to pay a credit automobile bill matters as ISM, you might want to contact your regional SSA workplace regarding this, they may be able better simplify if this kind of help is 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 reply to I experienced simply read previous by Veronica (not verified today)
Hi Veronica, that could be the scenario, it might be an idea that is good contact the SSA regarding this if this is one thing both you and a member of family are organizing.
My adult daughter receives SSI for her impairment. I will be her Payee. She received a bond that is old her grandmother for more than 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 health practitioners ( they truly are 140 kilometers trip that is round she’s got severe epilepsy and cannot drive herself). ?
Can she reimburse me personally of other costs like spending money on her dogs leg surgery last thirty days? Or using her to Mayo Clinic and Cleveland Clinic three years ago?
Is there limits on what much she can invest in clothes, furniture, etc.?
In reply to My adult daughter receives by Jill ( perhaps perhaps not confirmed)
Hi Jill, Payee reimbursements are a cost, nonetheless they are limited to things that are specific certain kinds of payees. You might want to contact the SSA regarding this.
I’m disabled by both Federal and State and getting SSI, meals stamps, medicaid medical insurance. We have 3 outstanding cc balances of about 3k each. I simply havent been spending because I couldnt any more. cc business is using us to court, what you should do? We have no asssets or resources.
In respond to i’m disabled by both Federal by Anonymous ( maybe perhaps maybe not confirmed)
Hi Gigi, i am not really certain, as creditor rules differ by state and would impact your situation.
In reply to i’m disabled by both Federal by Anonymous ( perhaps perhaps perhaps not confirmed)
I have met by having an advocate lawyer (cost-free in my opinion) to aid me personally with my personal credit card debt. The lawyer said that I do not have almost anything to be concerned about because i am judgment proof. SSI can’t be garnished, sufficient reason for that said, creditors will never be able to have any court in the us to garnish your SSI. The credit card issuers may attempt to sue you, nevertheless they will not be in a position to touch your SSI. The lawyer informed me that i will wait for creditors to sue me personally then seek bankruptcy relief. Find your state that is nearest appropriate help advocate!
We are now living in brand brand New Hampshire if it helps you to offer reply to my past concern?
In respond to I inhabit New Hampshire if by Anonymous (Gigi) ( perhaps maybe perhaps not confirmed)
Hi Gigi, we are maybe not professionals in creditor legislation, and so I’m unsure the advice you could be given by me in this situation will be especially helpful.
We have a concern can my buddy spend their personal credit card debt with all the pay off cash on their direct express card?
In answer I have actually a relevant concern can my by Marcus ( maybe maybe not confirmed)
He might manage to, but ensure he checks in with all the SSA first.
Am we permitted to make personal credit card debt re re payments with SSI? I will be considering finding a GAP card to purchase clothing (we cannot otherwise manage garments), I quickly will have to pay the bill off month-to-month. I do want to understand it to make minimum monthly payments on credit card debt if I must use my SSI strictly for rent, utilities, and food, or if I’m legally allowed to use a portion of. Many thanks. We are now living in Georgia, if that information will become necessary.
In answer Hi, by Adam ( maybe perhaps maybe not confirmed)
It can be used by you for clothing. But, because you’re getting a shop bank card, i might suggest checking in with all the SSA before doing that. Better safe than sorry.
In answer Hi, by Adam ( perhaps perhaps maybe not confirmed)
I’ve a few bank cards, and I spend my credit card debt with my SSI. I’ve never ever gotten into any difficulty for the. Nonetheless, I did ask Social safety about utilizing bank cards, together with security that is social said it’s okay to own and make use of bank cards provided that the bank cards create financial obligation that you must and want to pay off, and it is definitely okay to create month-to-month charge card re re payments with SSI. You can also get financing, a payday loan, as well as a advance loan being on SSI; once more, it offers to generate a financial obligation that you have to and want to pay off to the creditor(s). Consequently, you are able to go on and spend your credit card debt along with your SSI without the bother about it inside your SSI. You should be careful to not wind up deep in credit debt where you wind up maybe not having sufficient $ to really make the payments that are minimum.