Without a doubt about SSI & personal credit card debt

We presently get SSI (i am a grown-up and I also are now living in VA) and have always been having troubles making my bank card re re payment each thirty days now due to the interest. We have seen on other web web web sites that it is okay if a family group people takes care of the card for your needs when they straight spend the financial institution rather than supply the cash to you personally, that it’ll maybe not affect your SSI. Ended up being wondering if there was clearly any truth for this? I might instead perhaps maybe not register ruin and bankruptcy my credit. Many Thanks!

Hi here, i am sorry to listen to that! Some forms of help that exist from household members count as “in-kind maintenance and support”(ISM). I am maybe maybe not completely certain that a member of the family having to pay I’m her Payee. She received a vintage relationship from her grandmother for more than 12, 000. I will be told that she must down spend that money to maintain her eligibility.

She has a couple of old medical bills that she will spend, and my booklet says she will purchase home furnishings, devices, clothes, etc.

Can she reimburse me personally for travel cost of transporting her to her health practitioners ( they truly are 140 kilometers circular journey and she’s severe epilepsy and cannot drive herself). ?

Can she reimburse me personally of other costs like spending money on her dogs leg surgery final thirty days? Or using her to Mayo Clinic and Cleveland Clinic 36 months ago?

Is there limits how much she will expend on clothes, furniture, etc.?

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

Hi Jill, Payee reimbursements are a cost, nonetheless they are on a specific things for certain forms of payees. You might would you like to contact the SSA regarding this.

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

In answer I am disabled by both Federal by Anonymous ( maybe maybe perhaps not confirmed)

Hi Gigi, i am nearly yes, as creditor rules differ by state and would influence your instance.

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

I have met with an advocate lawyer (no cost in my opinion) to simply help me with my credit debt. The lawyer explained that I do not have such a thing to concern yourself with because i am judgment proof. SSI cannot be garnished, in accordance with that said, credit card issuers will never be able to have any court in the usa to garnish your SSI. The credit card issuers may you will need to sue you, however they will not be in a position to touch your SSI. The lawyer informed me that i ought to wait for credit card issuers to sue me then seek bankruptcy relief. Find your state that is nearest appropriate help advocate!

We reside in brand brand New Hampshire if it really helps to provide reply to my previous concern?

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

Hi Gigi, we are perhaps not specialists in creditor legislation, and so I’m unsure the advice you could be given by me in this situation will be specially helpful.

We have a concern can my cousin spend their personal credit card debt because of the pay off cash on their direct express card?

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

He may manage to, but make certain he checks in with all the SSA first.

Am we permitted to make personal credit card debt re re re payments with SSI? i will be contemplating getting a GAP card to get garments (we cannot otherwise manage garments), I quickly would have to spend the balance off month-to-month. I would like 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 becomes necessary.

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

You need to use it for clothes. But, because you’re getting a shop bank card, i might suggest checking in because of the SSA before doing that. Better safe than sorry.

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

We have a few bank cards, and We spend my credit cards with my SSI. We have never ever gotten into any difficulty for that. Nonetheless, i did so ask Social protection about making use of bank cards, in addition to security that is social explained it really is okay to own and make use of charge cards provided that the charge cards create financial obligation you need to and want to repay, and it’s really definitely okay to create month-to-month bank card re re re payments with SSI. You may also get financing, an unsecured guarantor loan, and sometimes even a cash loan being on SSI; once more, it offers to generate a financial obligation you need to and want to pay back in to the creditor(s). Consequently, you are able to go on and spend your credit card bills along with your SSI with no concern yourself with it inside your SSI. You need to be careful never to wind up deep in personal credit card debt for which you find yourself maybe not having sufficient $ to help make the payments that are minimum.

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