Thanks so much for the info.. really, really helped to ease my mind, regarding my mom's debt..
@SeniorLivingOrg3 жыл бұрын
You are so welcome!
@Jane-gx3zw3 жыл бұрын
What about Student Loans and Parent Plus Loans?
@tracyd2598 Жыл бұрын
Do NOT get a Discover card! Currently being sued by them, because they refused to work with me on lowering payments. Thank God I found HELPS!
@paulgrimm78423 жыл бұрын
I’m 68 . Disabled on SS and Pension. I called this service and they eased my mind. Good people.Bank America has written off my debt to a collection agency ,and my credit score has gone up!
@chantalsslippersondeedeesf48533 жыл бұрын
@Paul Grimm Written off, or charge off? Two different things. You're score will go up a little after the charge off, if it was a charge off, then after it's sent to collections, the score goes down a lot! It just take time for it to drop, at least that's my experience
@romanstarrtattoos2 жыл бұрын
I am a senior. I am being sued for credit card debt. They filed a law suit already and refused to work with me period! The debt collector told me they will agree to accept my ss check and I spoke with an attorney in my state that told me to not worry.
@SeniorLivingOrg2 жыл бұрын
Contact the HELPS Nonprofit Law Firm, call 1-855-435-7787 if you need a second opinion.
@DoubleOld73 жыл бұрын
You guys have given me peace of mind in my retirement. Thank you.
@SeniorLivingOrg3 жыл бұрын
You are welcome. Please share the channel with your friends.
@juliejohnson81273 жыл бұрын
So much thanks for helping us seniors in these difficult time. Appreciate what you do!!
@randywho62203 жыл бұрын
Jeff, Eric, Thank you so much!!!! After 3 heart attacks, I really don't want another one cuz of the worrying...... God bless you two!!!!!!
@devakolb8045 Жыл бұрын
Thank you so much for having this channel available to seniors. I'm a senior, living in senior park. I will be able to share this information to anyone who needs or wants it. At a time in life when so many of us are alone, poor and often battling chronic illnesses, it is difficult to defend yourself from the hungry dragons out their who want to chew you up and spit you out. (OK, I'm n artist nd cartoonist with an over-active imagination. I can at least entertain myself.) I wish more seniors would gravitate to this channel and get some security.
@richardwhitfill52538 ай бұрын
In Texas you have homestead exemption up to 10 acres urban 100 acres if in the country areas
@christineh47823 жыл бұрын
Thank you very much for this information and HELPS non-profitlaw firm! I wish I had known earlier. My mom lost are family home. HELPS law firm is listed with BBB. They have a five star rating and a BBB rating of A+.
@SeniorLivingOrg3 жыл бұрын
Glad it was helpful!
@rosemaria3003 жыл бұрын
Have not gone to a court yet. But the letter came today to appear in court. Only income is Social security and own no property or anything else!!!
@robertjonas92653 жыл бұрын
I am represented by helps
@bettyboop42633 жыл бұрын
If a senior owns a car or house can a lean be put on it?
@rosemaria3003 жыл бұрын
Thank you so much! Will contact you!!! What a wonderful service for Seniors!😊🌹🙏
@SeniorLivingOrg3 жыл бұрын
You are so welcome!
@cwarren9449 Жыл бұрын
These videos are a blessing thank you for all that both of you do
@SeniorLivingOrg Жыл бұрын
Our pleasure!
@royalrayne89483 жыл бұрын
Thanking U kindly Mr. Olsen 4 reconnecting expeditiously & rendering much relief!!! Jeff ty so very much 4 this video!!!
@zstroud56983 жыл бұрын
Thank you for this information. It is very helpful and reassuring.
@SeverSTL Жыл бұрын
A couple of years ago this really eased my mind. Thanx again.
@SeniorLivingOrg Жыл бұрын
Glad we could help!
@Susan-z6k Жыл бұрын
Jeff and Eric two very compassionate caring people. Thank you for the very informative videos. You both make a difference in people lives. Many thanks. God Bless you both.
@vickigoshert7892 жыл бұрын
I am 67 and was mistreated over snd over again by 2 different store managers. I thought the first one was bad but the second one was worse. I stuck my job out for 12 long years. I saw so many come and go good ones snd bad ones. I was loved by my costermers. This was the whole reason I stuck it out was for my custermers. I loved my job. It took me a month before I could go in and shop there cause I would cry.. some of the stuff I had to do was beyond normal work duties. I was very dependable I have a good work record . When I go in to this day I tear up cause it does not look like when I was there it's trashy. There were alot of good employees that were very good and honest people that were treated bad I witness stuff that made me sick. I experienced that hit me so hard that I went to 4 County counseling center to talk to some one about my episode at work. I had to go on medison..my family won't go in there inless just have to. I don't understand how a big company can let this go on. I reported stuff to a district manager and he yelled at manager for doing what she did to me. He was a great district Manger wich hashish own business now butbhe told me to go for this for my mom
@beverlynewsom99212 жыл бұрын
This is only for low income Seniors or Disabled Individuals who are unable to pay old UNSECURED DEBTS like credit cards, medical bills, not SECURED DEBTS like HOA/POA ever increasing assessment fees on their condominium or single-family home that is owned but is now susceptible to foreclosure.
@mapuanakupuna34713 жыл бұрын
I'm so relieved! Mahalo nui loa for the invaluable information! Aloha nui loa to you both!
@SeniorLivingOrg3 жыл бұрын
So glad we could help! 🤙
@vickigoshert7892 жыл бұрын
I'm 67 on social security. I got a call hour ago about a bill I have I have 2 hospital bills that was turned into collections. The garnished my check. Now im not working after 12 years of work I got fired and now the are wanting the rest of my garnishment
@SeniorLivingOrg2 жыл бұрын
Contact the HELPS Nonprofit Law Firm, call 1-855-435-7787
@vickigoshert7892 жыл бұрын
I was told I have a lawsuit but afraid to go ahead with it
@rosemaria3003 жыл бұрын
Thank you Jeff for having this Wonderful KZbin page!!!!
@SeniorLivingOrg3 жыл бұрын
You're welcome, and thanks for watching!
@rosamariathol95463 жыл бұрын
Thank you, Eric
@RandB4me Жыл бұрын
1st thank you for your service. What is considered senior I'm 59
@HELPSNonprofitLawFirm Жыл бұрын
These laws are based on source of income such as SS and retirement in come not age. Eric HELPS
@gritsngranola3 жыл бұрын
This was so helpful. Thanks!
@SeniorLivingOrg3 жыл бұрын
Glad it was helpful!
@leepwright87843 жыл бұрын
THANKS JEFF AND ERIC
@SuperGrider1 Жыл бұрын
Received a judgment with a Fl. Facts and INFO Sheet .1.997 it asks for FAMILY income etc. can they go after my son, for my debt as I just moved in with him? I get SSA and Fed retirement -pay him rent
@HELPSNonprofitLawFirm Жыл бұрын
No absolutely not. This form is sent with all judgments. I think judgment creditors count on seniors will be intimidated when they get this form and call and arrange for payments. When they don't need to. Eric HELPS
@loonhaunt3 жыл бұрын
Same issue in this video. Social security. Pensions. Bank account. But no mention of the word IRA. Can a collection agency go after your last $30,000 IRA which is supposed to last the rest of your life and used to meet monthly expenses?
@HELPSNonprofitLawFirm3 жыл бұрын
IRA's are also protected from debt collectors Eric HELPS
@loonhaunt3 жыл бұрын
@@HELPSNonprofitLawFirm thanks
@donnalamb46173 жыл бұрын
What about the stimulus check? This time because it was passed thru reconsiliation, there are no protections from credit card debt. What about that? And does NYS have a protection from debt collectors concerning the stimulus?
@ericolsen21413 жыл бұрын
Senior Living on the stimulus being protected coming out today
@donnalamb46173 жыл бұрын
plz. answer my question. Does NYS have protection for the third stimulus against credit card debt?
@HELPSNonprofitLawFirm3 жыл бұрын
@@donnalamb4617 Dont think so but doesn't matter. I will explain why. The stimulus check is deposited into your bank account, into which Social Security is paid. It can’t be taken before it is deposited into your account. Twice the amount of monthly Social Security or federal benefits deposited into your bank account is protected from garnishment no matter the source of monies in the account at the time of the garnishment. That means if your Social Security is $1500 per month, then $3000 is protected automatically no matter the source of funds in the account at the time of the garnishment. If you keep the balance in your bank account less than twice the amount of monthly federal benefits, less $1400, then the stimulus check deposited into the account is protected from garnishment. Finally, the government will not take your stimulus for monies owed for taxes or other government debt. Eric Olsen Executive Director HELPS
@donnalamb46173 жыл бұрын
Thank you very much for that information! I finally have an answer! 😊
@edenrobes36807 ай бұрын
Can the collector request for entry of default
@johnwolf14755 ай бұрын
you might want to include ways for the semior to rebuild or gey back to work
@Bless-m1z2 жыл бұрын
How about credit line
@susanrichardson43543 жыл бұрын
I was wondering if you serve Canada as I am in canada .Susan Richardson
@ericolsen21413 жыл бұрын
Sorry no
@janetpagendarm90753 жыл бұрын
thank you for this info wish I knew last April when My husband passed I was threatened to pay off a car He co singed for that the kid stopped.paying it was broken I had it repoed thought that was the end but they said I stilled owed about $4 thousand I asked how liw I could pay they said $150,00 a mo after 9 Mo I asked them to forgive the lian because I needed food Money a new lady said if I cant pay I dint have to I am still worried they will go after me they said they would go after the estate should I still worry I I am 77 & live on survivors benefits
@HELPSNonprofitLawFirm3 жыл бұрын
If you didn't sign for the loan then you are not responsible and don't need to pay anything. Creditors and collectors will lie and say about anything attempting to collect a debt. You don't need to worry and can always call HELPS if you have questions. Eric HELPS
@floydshockley7853 жыл бұрын
Great advice gentlemen. I was sued by a debt collected years back. And went to court over this. The court put a judgement on my home over twelve hundred dollars. My question is I am on disabily and was when this was filled. I am in poor health with cancer heart problems and other sickness. I want to leave my home and possessions to my son can I get this judgement taken off. Love your channel a great peace of mind for seniors. Thank you
@HELPSNonprofitLawFirm3 жыл бұрын
Too many questons to ask and to explain to answer in a forum like this. You can call HELPS with your questions at 855 435 7787 Eric HELPS
@luzbooth9895 Жыл бұрын
The collector send a letter say if don't pay they send citation to court
@HELPSNonprofitLawFirm Жыл бұрын
A "citation" is another word for a lawsuit. As explained your retirement income is protected so no problem Eric HELPS
@lindahurst4252 жыл бұрын
I'll sleep much better tonight. Thank You😊
@SeniorLivingOrg2 жыл бұрын
You are very welcome. Please share the channel with your friends.
@rosemaria3003 жыл бұрын
I was just got a letter in the mail to appear in court on the 12th for $1,353. I have tried to explain my situation but they don't care. I'm not well and don't and to go to debit. What can I do??? This has been 2 years. I tried to work but would not work with me. Now gone to court.
@ericolsen21413 жыл бұрын
As the video explains your income, Social Security is protected. It can't be garnished or taken from you. You only need to go to court if you are going to contest the lawsuit. Otherwise, you don't have to go to court. The creditor will get a judgment but if your only income is SS as you say, you are what is called "judgment proof." They can't collect from you, You don't have to pay the debt. You don't have to worry. That said, being sued can be intimidating. What HELPS does is we represent lower-income seniors so they don't have to deal with debt collectors. You can visit our website www.helpsishere.org and learn more. You will be fine. Eric Olsen Executive Director HELPS nonprofit law firm.
@lr9152 Жыл бұрын
Can I ask what's considered a senior? I am 60 and in debt. My husband is 65 and our only income is his SSDI
@HELPSNonprofitLawFirm Жыл бұрын
These protections and laws are based on source of income like SS and retirement income regardless of one's age. Eric HELPS
@elizabethcantu9128 Жыл бұрын
Motion summary judgment and got ordering grants
@patriciaturgeon109811 ай бұрын
How do i get intouch with Eric?
@sharonjones36553 жыл бұрын
My sister is 68 years old and she is still working and now her check is being garnished for two cars that was repoed and the credit union turned it over to an attorney who is garnishing her check. She went to court and this attorney used Writ Fieri Facias to garnish her check in Louisiana. He has been garnishing her check now over two years. He can come in and sell everything in her house. Both cars were auctioned and she has to pay back over $25000. He’s collecting his fees right now. How can my sister stop him from taking her check every two weeks?
@ericolsen21413 жыл бұрын
She should consult with a bankruptcy attorney.
@newyorkdiva33 жыл бұрын
Very informative thank you.
@SeniorLivingOrg3 жыл бұрын
You are very welcome. Please share the channel with your friends.
@VernonEmerson-w8f Жыл бұрын
I have a question that I haven’t heard addressed, yet in any of these videos of yours that I’ve watched so far. What if your credit card debt is at the same institution where you bank at and where your Social Security is deposited at in my case, it’s Wells Fargo bank. I bank there for many years and they’re a good bank I like them! But I owe a little over $11,000 due to monthly interest charges that keep pushing it higher and higher. It didn’t start out that high! So Canada banking institution where I bank at and where my check is deposited out each month take any money from my account, although I owe them money on one of their credit cards? I have not heard that particular question asked or answered yet, so that has me a little concerned. Thank you very much for all your information you put out in these videos by the way!
@HELPSNonprofitLawFirm Жыл бұрын
I cannot address anything dealing with Canada. However, banks cannot set off money deposited into your bank account where only Social Security is deposited to pay a debt you owe the bank UNLESS you gave them permission to do that. Also Credit Unions can and will set off money when owed because when you applied for the account you gave them permission to do that whether you remember that or not Eric HELPS
@jenkinsljenkinssquire9137 Жыл бұрын
What is a senior defined age bracket? What is the bottom age of the scale? Let's say you are retired, have no pension or retirement funds. SS is your only income but you own your house outright with an approx value of $250K. Let's say you wind up in the hospital with $100k worth of bills. Can the hospital go after the house? OR if you don't pay the hospital and they turn it over to collections, can the collections agency go after the house?
@HELPSNonprofitLawFirm Жыл бұрын
These laws that protect income are based on the source of income regardless of a person's age. States have different laws that protect a certain amount of equity in a home. For example, in Texas and Florida, all the equity is protected. Other states have large exemptions and then other states have minimal amounts protected. However, it is not the practice of consumer judgment creditors to go after a person's home. There are also a lot of options to prevent a potential problem. Far too many to discuss in a reply like this. Eric HELPS
@howardkieffer85242 жыл бұрын
Can the federal government take an offset directly from social security retirement benefits for criminal restitution?
@SeniorLivingOrg2 жыл бұрын
Contact the HELPS Nonprofit Law Firm, call 1-855-435-7787
@HELPSNonprofitLawFirm2 жыл бұрын
Not for criminal restitution Eric HELPS
@taisang27473 жыл бұрын
Hello, my first time watching your show appreciate the information, I owe a lot of medical debt to hospitals and Doctors as my private insurance has expired, my wife has medical complications from 2006 and have not worked how do we get help
@ericolsen21413 жыл бұрын
Social Security and almost all forms of other retirement income is protected from collectors by federal and state laws. Medicare pays a large portion of medical debt. Many hospitals are nonprofit and have programs to forgive debt of those unable to pay. They cannot deny future services if you do not pay. You can look at the video again which explains why they can't collect. Eric Olsen Executive Director HELPS Nonprofit Law Firm
@amysharma49723 жыл бұрын
I have the same problem I feal in the Medicare doughnut whole.Now I owe two hospitals a ambulance was admitted and was in two emergencies can Eric help me?
@SuperThunder9113 жыл бұрын
Thanks for this wonderful video and your help,I have a question,can a collection agency put a lien on a house from an unpaid voluntary surrender of a vehicle,thanks in advance.
@ericolsen21413 жыл бұрын
I believe this video discusses judgments being a lien on real property, a home, and often why that isn't a problem. Eric HELPS
@alanharrison6943 жыл бұрын
What would happen if a person only had the one account in the United States but relocated to a retirement out of the country?
@HELPSNonprofitLawFirm3 жыл бұрын
As explained in the video twice the amount of SS or federal benefit is protected automatically under federal banking regulations by the banks from garnishment it is protected only in the account into which the SS is deposited. Regardless of the source of other funds that may be in the account at the time of the garnishent. i believe this is discussed in this video and other videos on senior living regarding seniors and debt. Eric Olsen Executive Director HELPS Nonprofit Law Firm
@idabennett84702 жыл бұрын
How will my being a senior bankrupt prevent me from getting a VA loan ?
@SeniorLivingOrg2 жыл бұрын
Contact the HELPS Nonprofit Law Firm, call 1-855-435-7787
@HELPSNonprofitLawFirm2 жыл бұрын
Normally you can qualify for a VA loan two years after filing bankruptcy Eric HELPS Nonprofit Law Firm
@leepwright87843 жыл бұрын
NOW IM 66 YEARS OF AGE ON SSI YOUR SAYING THAT THEY CANT TOUCH MY STIMULUS CHECK I HAVE DIRECT DEPOSIT
@ericolsen21413 жыл бұрын
correct Eric HELPS
@roseearhart78483 жыл бұрын
I was paying a Hospital bill for years and ne er missed a payment . Called and asked them if they could wipe it out and they said no. Just this Last year I started getting a bill from a bank saying I was to send them the payment and That's what I've been doing , but friend tell me I don't owe them the money because I didn't sign anything with them .they tell me the Hospital sold my bill to this bank and I don't have to pay them . Are my friends right ? Please help me , I'm 77 .
@ericolsen21413 жыл бұрын
Social Security and pensions are protected. You don't need to pay the old bill. As the video explains they can't collect from you Eric Olsen Executive Director HELPS Nonprofit Law Firm
@Bless-m1z2 жыл бұрын
What if you have a line of credit on a non homesteaded property?
@SeniorLivingOrg2 жыл бұрын
Contact the HELPS Nonprofit Law Firm, call 1-855-435-7787
@ellegee904010 ай бұрын
@SeniorLivingOrg Just to clarify, if a senior has MORE than two months of their SS income in a bank account, but the only source of those funds was from their SS income, that means that all of that money is exempt from garnishment/judgement? And am I correct to assume that money received from the VA would also be exempt?
@SeniorLivingOrg10 ай бұрын
I'm not an attorney, but I believe only up to two months of the income (Social Security or VA benefits) is protected.
@HELPSNonprofitLawFirm10 ай бұрын
Two months is automatically protected by the bank from garnishment regardless of the source of actual funds in the account based on federal banking rules in effect since 2012. If you have more than that in the account it is protected just not automatically. One would need to file a claim of exemption or challenge to garnishment to have the court order that excess balance in the account released. This was explained the video. Eric HELP:S
@zubazzkodine16432 ай бұрын
I am a senior. I cannot pay my credit cards. I know my Social Security is safe. Can creditor sue me and later when I die, can Put A lein on the condo
@claracaulfield76963 жыл бұрын
It happened to me in Texas. Can your firm help?
@ericolsen21413 жыл бұрын
HELPS is a charitable nonprofit law firm that helps seniors and disabled persons in all fifty states- yes including Texas Eric Olsen Executive Director HELPS Nonprofit Law Firm
@tomgarcia13543 жыл бұрын
Can they put lean on your home if your a senior and collect the money from children who inherit the property???
@HELPSNonprofitLawFirm3 жыл бұрын
A judgment can become a lien on a persons equity in a home. Regardless of whether a person has a judgment or not a will or trust provides that all debt be paid before heirs receive anything. So a judgment really has nothing to do with it. Senior Living will have a video out on this topic shortly discussing protecting assets for family. Eric HELPS
@mannyhernandez5732 жыл бұрын
Is there a way to download this form? It seems a bit difficult to get it from your link. TIA
@SeniorLivingOrg2 жыл бұрын
We recommend trying another browser or clearing your browser cache.
@CaptainB0072 жыл бұрын
Can they garnish your salary? Iam a senior but still working as a federal employee.
@HELPSNonprofitLawFirm2 жыл бұрын
First someone would have to have a judgment. Second there is a wage exemption. Federal exemption for wages is $217.50 net per week but some states have higher exemptions or states like Texas do not permit garnishment. If you haven't been sued no need to worry. Eric HELPS
@CaptainB0072 жыл бұрын
@@HELPSNonprofitLawFirm Thank you.
@romanstarrtattoos3 жыл бұрын
I just came upon this video and I am being sued right now, I am a senior I can no hire an attorney.
@SeniorLivingOrg3 жыл бұрын
Contact the HELPS Nonprofit Law Firm, call 1-855-435-7787
@deedeeotero44753 жыл бұрын
What if your 59 yrs old, lost your job & are low income (not collecting any social security or any other federal$) but am collecting unemployment. Can my bank account be garnished?
@ericolsen21413 жыл бұрын
First, before any creditor can attempt to garnish a bank account they must have filed a lawsuit and obtained a judgment, Unemployment is protected under state law. If a garnishment was filed on a bank account that contained unemployment a challenge to garnishment could be filed with the court and the court would order the money released. It is not as difficult as it sounds. But again if they don't have a judgment nothing to worry about. If they did and you were worried about garnishment of your bank account you could simply cash the unemployment check and keep it out of the bank account. Eric Olsen Executive Director HELPS Nonprofit Law Firm
@deedeeotero44753 жыл бұрын
@@ericolsen2141 thank you for the information.
@MarkAnthony51503 жыл бұрын
Is there anyway to contact this dear friend Attorney by e mail? Sorry if this has been asked before and replied, Thank you God Bless you for all you do for us Older Americans!
@ericolsen21413 жыл бұрын
You can visit our website for email contact
@SSsmith243 жыл бұрын
Hubby found out he’s got 10k from old credit cards,,they put a lien on our house just found out trying to do a refi Hubby 65 Me 64 What can we do? Both chronically sick on SSDI Hubby turned 65 so he’s just on SS now? Same amount of check
@HELPSNonprofitLawFirm3 жыл бұрын
Could never answer this in a reply. Too many questions to ask. You could call HELPS at 855 435 7787
@joyceduncan79603 жыл бұрын
What if creditors have a lawyer an take you to court an lawyer takes you in a room an has you signs a paper stating the deth will be taking out of ones estate when you die. Is that legal. Plus add a higher interest.
@HELPSNonprofitLawFirm3 жыл бұрын
Sounds like a bunch of unenforceable baloney to me, Eric HELPS
@juliejohnson81273 жыл бұрын
If they garnished this 1400.00 how do I handle this as a senior?
@HELPSNonprofitLawFirm3 жыл бұрын
You are referring I assume to the stimulus, Senior Living has a new video that answers this
@dukes16752 жыл бұрын
Can creditors put a lien on your house?
@SeniorLivingOrg2 жыл бұрын
Contact the HELPS Nonprofit Law Firm, call 1-855-435-7787
@juliejohnson81273 жыл бұрын
Do the stimulus count or can they take the stimulus payments if we keep the amount to your 2months amount?
@HELPSNonprofitLawFirm3 жыл бұрын
Senior Living has a new video on this topic that will answer this question
@sharonhuery8871 Жыл бұрын
Great 👌 Feedback
@SeniorLivingOrg Жыл бұрын
Thanks.
@eddtaylor87952 жыл бұрын
If you already have a few people u owe and then you open a new account how 🤔 many monthly payments must u pay before u file bankruptcy?
@SeniorLivingOrg2 жыл бұрын
Contact the HELPS Nonprofit Law Firm, call 1-855-435-7787
@mickeyfinnegan74693 жыл бұрын
THESE ARE PRETTY GOOD VIDEOS,HOWEVER:THE STATE YOU LIVE IN HAS VERY SPECIFIC GUIDELINES REGARDING EXEMPTIONS FROM COLLECTIONS,THESE ARE THE FACTS-JACK...I WAS IN COURT YESTERDAY AND WAS PLEASANTLY SURPRISED HOW HELPFUL THE REPRESENTATIVE OF THE COLLECTOR AND THE JUDGE WAS,I DID MY HOMEWORK BUT WAS SURPRISED AT HOW IT WENT DOWN
@tracyd2598 Жыл бұрын
I'm glad you got a good result.
@kaittemurry47402 жыл бұрын
Hello does this hold true now ?? In 2022?? I have to go to Civil Court on April 13
@SeniorLivingOrg2 жыл бұрын
Contact the HELPS Nonprofit Law Firm, call 1-855-435-7787
@romanstarrtattoos3 жыл бұрын
Well I am being sued right now for a debt and I have no money to hire you or any lawyers. I am a senior and I was wondering if this kills me, can the creditors be held accountable to my death? My health is pretty bad.
@SeniorLivingOrg3 жыл бұрын
Contact the HELPS Nonprofit Law Firm, call 1-855-435-7787
@HELPSNonprofitLawFirm3 жыл бұрын
There are plenty of videos HELPS has done with Senior Living which explain why you don't need to worry. This is one of them. You can always call HELPS with questions. I am sure you will be fine Eric HELPS
@deiadraper63583 жыл бұрын
Thank you very much for this info I just hope it's right I didn't really mean that but please read I haven't been able to pay my credit card bills for 5 months now I proved to them not in writing but over the phone that they are overcharging me but I haven't gotten anything from any collection agency it's always from the bank that I have a charge card with and it keeps going up every month now with interest and everytime I do try to call them give them my account number I get disconnected
@chantalsslippersondeedeesf48533 жыл бұрын
@Deia Draper, after 80 days, the Credit Cards will charge off and after the charge off, that's when it's sent to collections. I know this from my own issue. The Credit Card company will add the interest on the charges until it's charged off.Why would you call them to give them you're account##????? Also, are you on SS, SSd, SSDI?
@lizzysmith55843 жыл бұрын
@@chantalsslippersondeedeesf4853 mkkty
@chantalsslippersondeedeesf48533 жыл бұрын
@@lizzysmith5584 ??????
@leonardcook26722 жыл бұрын
I'm on ssa can a Revere mortgage be left to family can't afford to paid on taxes and property taxes.
@SeniorLivingOrg2 жыл бұрын
Contact the HELPS Nonprofit Law Firm, call 1-855-435-7787
@HELPSNonprofitLawFirm2 жыл бұрын
Not sure exactly what is the question. If you have a reverse mortgage, yes any equity can be left to heirs. They normally have up to a year to sell the home, pay off the reverse and the balance is available for debts or heirs. Eric HELPS
@davidyearout78973 жыл бұрын
At what age are you saying is a senior??? I’m retired at 63….do I qualify?? How about medical debt? Are my kids responsible! For my medical debt when I die???
@HELPSNonprofitLawFirm3 жыл бұрын
Social Security Pensions and other income is protected regardless of age. Senior Living has another video explaining why your children are not responsible for your debt. Eric HELPS
@MrAmigo22253 жыл бұрын
I'm only 60 years old but I receive ssdi disability and it's the only income I have. I have a 1600 dollar debt that's around 7 years old. Just got a letter from a debt collector saying pay up. I don't want to pay because the debt is old and I don't want to go to court because of covid 19 . Can they still collect the money from my account?
@ericolsen21413 жыл бұрын
There is another video from Senior Living that discusses this. Twice the amount of your monthly SS deposited into a bank account is automatically protected from garnishment by your bank. Eric Olsen Executive Director HELPS Nonprofit Law Firm
@clydeb429413 күн бұрын
please tell me how old must you be to be a senior?
@rhondachristensen86195 ай бұрын
One hell of a thing to work hard all our lives, to find out " being shoved in corner " with " back against the wall " and is unreal...
@metaldetectorjunky35563 жыл бұрын
What about Hospital Debt, if owing over hundred fifty thousand plus dollars can they collect if I can't pay have no health insurance, and 64 years of age, to young to get Medicare as of yet.
@ericolsen21413 жыл бұрын
Social Security and almost all forms of other retirement income is protected from collectors by federal and state laws. Many hospitals are nonprofit and have programs to forgive debt of those unable to pay. They cannot deny future services if you do not pay. You can look at the video again which explains why they can't collect. Eric Olsen Executive Director HELPS Nonprofit Law Firm
@cindymiller66293 жыл бұрын
What about paperwork that says judgement against me. Was never notified of a hearing. Paperwork says Judgement Creditor First set of written discovery in Aid of Enforcement of Judgement. Do I have to fill it out with all my information?
@onlyinamerica00733 жыл бұрын
Cool video
@SeniorLivingOrg3 жыл бұрын
Thanks!
@christinetomelden43373 жыл бұрын
Great info
@SeniorLivingOrg3 жыл бұрын
Thanks, christine!
@Preppygrwm272 жыл бұрын
What if a senior shares an account with an immediate relative.
@SeniorLivingOrg2 жыл бұрын
Contact the HELPS Nonprofit Law Firm, call 1-855-435-7787
@HELPSNonprofitLawFirm2 жыл бұрын
Twice the monthly amount of SS and federal benefits deposited are protected automatically regardless of the source of funds in the account at the time of garnishment or the names on the account. Eric HELPS
@bahyaowensable3 жыл бұрын
Hi I'm not a senior but I'm disabled. I have two debts that over 15 years old & under $1,500.00 the collection agency is still sending me letters to pay. I can't remember what the letter is called but it's a letter to give me proof of a original debt.. which most of these companies closed over 10 years ago. Can you please help me find that type of letter or form please. Thank you
@ericolsen21413 жыл бұрын
Actually if that debt is that old the statute of limitations has expired and they can't legally sue. Assuming you haven' t made a payment on the debt recently. Your disability income is protected in any event. You can ignore them or send a cease and desist letter which you can find on the internet or on the HELPS website. Eric HELPS
@bahyaowensable3 жыл бұрын
@@ericolsen2141 THANK YOU SO MUCH! 😊THANK YOU FOR HELPING OTHERS ALSO! In this climate of uncertainty and hate, & fraud. I still believe there are still good people like you out there. Thank you!!!
@janiceholcomb98393 жыл бұрын
How old does the debt have to be?
@ericolsen21413 жыл бұрын
doesn't matter Eric HELPS
@pjon11112 жыл бұрын
What happens when a collection agency withdraws out of a seniors savings account without consent. Can they be sued?
@HELPSNonprofitLawFirm2 жыл бұрын
The only way they could withdraw money from your savings account is if they filed a lawsuit, received a judgment and filed a writ of garnishment. Or you gave them authority to withdraw money from your account. I believe this video and others with HELPS explains how SS deposited into a bank account is automatically protected Eric HELPS
@pjon11112 жыл бұрын
@@HELPSNonprofitLawFirm I thought that as well even sent registered letters that they committed theft because no contract and no consent and to reimburse the amount immediately . To date crickets .
@HELPSNonprofitLawFirm2 жыл бұрын
@@pjon1111 That won't work. The video explains that a challenge to garnishment or claim of exemption be filed with the court explaining that the monies in the savings account were from SS and therefore exempt. This is is a reason why it makes sense to keep funds in the checking account into which SS is deposited which is automatically protected up to twice the amount of monthly SS. Eric HELPS
@pjon11112 жыл бұрын
@@HELPSNonprofitLawFirm thank you
@blueisrosebud3 жыл бұрын
If a collector sues or a judgement against a person, is it legal for collector (courts) to send paperwork thru mail and postman or woman sends the certified copy back to courts that they delivered it. How do the courts really know it was delivered?
@HELPSNonprofitLawFirm3 жыл бұрын
Sorry these rules depend on your state or locality. Eric HELPS
@bamaboy74893 жыл бұрын
What if you are served an u don’t answer summons an complaint
@SeniorLivingOrg3 жыл бұрын
Contact the HELPS Nonprofit Law Firm, call 1-855-435-7787
@HELPSNonprofitLawFirm3 жыл бұрын
Senior Living has several videos that go over this topic Eric HELPS
@bettymccann9583 жыл бұрын
Someone just hacked my bank ac account now its negative 1400.00. . And the bank took both of my SSI checks to pay it off which left me broke
@SeniorLivingOrg3 жыл бұрын
Contact the HELPS Nonprofit Law Firm, call 1-855-435-7787
@celestecasey70803 жыл бұрын
What is considered “senior age”, I’m 60, soon to be 61!
@ericolsen21413 жыл бұрын
These laws protect the type of income, Social Security, etc. regardless of age. Eric Olsen Executive Director HELPS Nonprofit Law Firm
@SeniorLivingOrg3 жыл бұрын
"Senior Age" could be considered at 55+ but it depends on the business, so you should always ask.
@glorioskiola3 жыл бұрын
Though there may be some special state laws that protect “seniors” ALL income from the social security administration is protected from creditors, no matter what your age. So SSI, SSDI, and SS retirement. State law also will have categories of exempt income and property, they vary a lot by state law (also, has nothing to do with age). Use Google to find the law in your state.
@sylviasmalls74983 жыл бұрын
I want to thank you for explaining,alot information regarding credit, savings and lawsuit. I paid all my credit cards off,on time. And my credit line is still the same. Is this because I'm a African American. Never was late in paying them off..
@SeniorLivingOrg3 жыл бұрын
Contact the HELPS Nonprofit Law Firm, call 1-855-435-7787
@HELPSNonprofitLawFirm2 жыл бұрын
Race is legally not a factor in extention of credit. There are many factors involved in credit availability, not the least of which is how much income a person has that is available with which to pay back any borrowed money. Eric HELPS
@juliejohnson81273 жыл бұрын
Do banks respect those rules?
@HELPSNonprofitLawFirm3 жыл бұрын
Yes
@terry.norcross49623 жыл бұрын
Would like to fix my slab on my house it is paid for but don't want to leave debt to my grandkids
@HeavenlyLights3 жыл бұрын
If they get a judgement can they put a lien on your house?
@ericolsen21413 жыл бұрын
Normally a judgment is a lien on persons real property in the county where the judgment in obtained. A judgment lien is not automatically a problem. Eric HELPS
@HeavenlyLights3 жыл бұрын
@@ericolsen2141 can you look at a proposal the bank wants me to sign?
@llengford Жыл бұрын
Can someone sue me over a personal lawsuit? I am 66 fully retired.
@HELPSNonprofitLawFirm Жыл бұрын
You can always be sued but your retirement income is protected as this video explains Eric HELPS
@llengford Жыл бұрын
@@HELPSNonprofitLawFirm can you guide me towards some free legal assistant for a senior citizen?
@juliejohnson81273 жыл бұрын
Does chase bank respect these rules or are they bullies?
@ericolsen21413 жыл бұрын
There is a department in the bank that knows and follows these rules. Eric HELPS
@dianildatorres30052 жыл бұрын
Ia'm 74 years old. They are taking me to court . I hope they cant take my house. I need help. I have no money for a lawyer.
@SeniorLivingOrg2 жыл бұрын
Contact the HELPS Nonprofit Law Firm, call 1-855-435-7787.
@leepwright87843 жыл бұрын
I'm 66 can they take my STIMULUS I have direct deposit
@HELPSNonprofitLawFirm3 жыл бұрын
no
@leepwright87843 жыл бұрын
@@HELPSNonprofitLawFirm thank you
@lsmythe0073 жыл бұрын
I wonder how this information works when You owe the Federal Government? I think I am in trouble. Sadly.
@ericolsen21413 жыл бұрын
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. Eric Olsen Executive Director HELPS Nonprofit Law Firm
@lsmythe0073 жыл бұрын
@@ericolsen2141 Thank you, sir.
@sharpharmade3 жыл бұрын
I have 2 banking accounts! One, I have my Social Security Check directly deposited and the other my Pension Check deposited into ... can I still keep both bank accounts, and they are both protected? Thank you!
@ericolsen21413 жыл бұрын
The pension account is not protected automatically unless it is a federal pension. It could be garnished and a challenge to garnishment would have to be filed. But then before any of that could happen there would be a lawsuit and judgment. So if that hasn't happened there would be plenty of time to correct the problem. I tried to make this clear on the interview. Often the best idea is one account into which SS is deposited. Eric HELPS Nonprofit Law Firm
@sharpharmade3 жыл бұрын
@@ericolsen2141 Thank you! It's a State Pension. Would a State Pension qualify? It's not Federal, per sé ... but, in the same neighborhood. Thank you, again, in advanced.
@ericolsen21413 жыл бұрын
@@sharpharmade only federal automatically
@amysharma49723 жыл бұрын
Eric I’m getting a pension protected by arisa it’s a teachers pension can it be garnished
@ericolsen21413 жыл бұрын
@@amysharma4972 No it can't be garnished. Eric HELPS Nonprofit Law Firm