Dealing with Debt

Perhaps your debts have become unmanageable now that you are living on a fixed or more limited income. Maybe the unexpected costs of medical treatment or prescription drugs have pushed you to the brink. How you deal with the situation will depend on your particular circumstances.

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Dealing with Debt

Perhaps your debts have become unmanageable now that you are living on a fixed or more limited income. Maybe the unexpected costs of medical treatment or prescription drugs have pushed you to the brink. More »


Questions

Question: My husband and i are both on Social security and we have credit card debit and can't make the payments on them, what can the credit card company do to get there money. We have got a letter to go to court for one of them, can they make us pay them?
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Question: I have received a Notice of Trustee sale on my condo and that it will be sold at public auction. I don't know what to do.
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Question: As a 67 yr. old retiree with an income of 11,645 yearly from S.S. and a small retirement pension, are these monies subject to credit card debt collection? Other than two older vehicles, I have no assets.
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Question: I we are surrendering our Motor Home(RV) to the bank for we cannot afford the monthly payments any longer. We are told after the RV is sold we are still responsible for the remmaning amt. owed. We think that amt. will be about $37000.00 which we cannot afford, what can we do at that point?
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Question: As a 67 yr. old retiree with an income of 11,645 yearly from S.S. and a small retirement pension, are these monies subject to credit card debt collection? Other than two older vehicles, I have no assets.
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Question: Hello: My mother died recenty. As her son am I obligated to pay her outstand bills? The day she passed a bill arrived from the emergency service that took to the hospital. Also she received a bill for medical expenses from her stay in the critical care unit at the hospital where she died. There are other bills that have been received. I just need to know if legally these have to be paid. Thank you for your help. Rick
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Question: My total income is $15,000 annually from ss retirement. I have $12,000 in checking for which I plan to get dental repairs. I owe $40,000 on credit cards and have not made any payments since 2005. I owe $30,000 to the IRS (irs has declared me "uncollectible"). Will my credit card debt ever disappear? I have never declared bankruptcy. Should I declare bankruptcy now?
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Question: A judgment has been issued on me for an unpaid credit card balance of $1320.00. Can the lawyers handling this force the sale of my possessions. I live solely on Widow's Pension of $1040 per month.
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Question: I am full time caregiver for my my mother who is 90 and bedridden. We are living on social security with only a few thousand dollars in savings and she has over $15,000 in credit card debt. She owns the house and I need to stay there when she passes (I'm unemployed - executor & heir. Will the credit card companies be able to force me to sell the house to pay them off? Will they be able to get the few thousand dollars left in her savings account?
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Question: how do i get halp.i hav go job childsupport want me to pay $334 a week without a job a i have no way of pay them . iget my 2 girls every week.i have to pay,food,shoes,and coltes.they mommy dont give them the things they need when they came to my house and this every week we go throw this what do i do ?
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Question: One of my creditors has chosen to sue me to collect a debt. Supposedly a judgement was issued against me, but the paperwork was so confusing, I could not understand it. I do not own a home or a car and my only income is Social Security. The letter from the agency selected by the credit card company says there are various means they can use to collect. My question is, what CAN they do to me? A call to the agency got me nowhere. I am also the sole caregiver for my handicapped mother.
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Question: I have a decree from Colorado stating that my Ex-Husband is responsible for certain debts. Creditors are coming after me for the debts because he didn't pay them and 1 creditor is suing me, I answered the complaint and they filed a motion for a judgement and I have to answer in 10 days. Am I responsible for debt that was ordered under the decree to be paid by my Ex?
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Question: My husband had what was deemed by a Dr. at Mayo as necessary surgery in 2008. All insurance info was provided and they knew he was Medicare. No one said a word about the possibility of no coverage. Now, 3 yrs. later, medicare has said they won't pay the claim and Mayo has said we owe $10,000 which would be impossible to pay since we are on SS and pension. Had we been told that at the outset, we would not have proceeded with the surgery. Wasn't it Mayo's responsibilty at the time to check out if they would get paid? How do we get this debt dismissed?
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Question: If a medical provider does not bill you for more than a year, can they charge late fees or interest on the 20% Medicare did not pay? The doctor's office said it was due to a "software problem" in its billing program.
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Question: Our income is social security only. Is it safe from garnisement? I am currently paying 228 per month on a credit card settlement arrangement, and I can no longer afford it since I can no longer work. My health has failed. Please advise. Thank you.
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Question: My husband died in Nov. and I am living only on Social Security. His hospital bills are now coming in. Am I, by law, obligated to pay them???
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Question: We are senior citizens. A bank is offering us a home loan that we assumed was fixed interest-the rate dropped a fraction, even-then I happened to notice an unfamiliar phrase with a tiny checked box-'demand feature'. I looked it up: the bank can demand payment, calling the loan, at any time without giving a reason. It said that some states prohibit that practice. Is Arizona one? Calling the loan could destroy us and force the property into foreclosure.
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Question: Where can I find a LOW cost or NO cost attorney for filing bankruptcy in YUMA, ARIZONA?
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Question: My father was in a group home in Casa Grande and then died. It's been over 60 days and they have yet to refund his $500 security deposit. We live in Michigan and wonder if we can file a small claim but not have to be present.
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Question: My wife has a debt that she has not been able to pay because she has no income and has not had income for 5 years. The collection company has frozen our bank account and I cannot pay our bill now. She has not made any deposits to this joint account. How can I get this hold off of our account? she does not want to contact the collection company. All funds in this bank account are mine not her's. Thank you
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Question: Am I responsible for debt incurred prior to marriage at anytime?
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Question: my mother died and left me her home and she left owing money am I responsible to pay her debts?
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Question: My late husband incurred a car repair shop debt before we met. After he died, I started getting letters from an attorney for the shop saying I was responsible for the bill now. Is this true?
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Question: IF I CAN'T PAY MY CREDIT CARD DEBTS. AND MY HOUSE IS ON A REVERSE MORG. WITH NO FUNDS LEFT. CAN THEY TAKE MY HOUSE?
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Question: what are the income guidelines
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Question: My father is dying of cancer. My parents bought a new car 2 years ago. The car is in my father's name. When my father dies, my mother won't be able to afford the car payments and the car is worth less than the balance owed. They live strictly on Social security. There won't be any inheritance or such. Is my mother responsible for the debt of the car after my dad dies even though the car isn't in her name?
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Question: When a spouse passes away and has debt in his/her name only, like credit cards, and or contractual obligations for satellite services or cell phone service that charge fee for early termination, etc.- is the remaining spouse responsble for that debt and fulfilling contractual obligation?
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Question: My husband passed away and had a credit card that was in his name only. Am I held accountable to pay that debt off? And I am confused, do creditors have six months to file a claim, after they receive the death certificate, or 6 months after you probate? Thank You!
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Question: I am about to be sued for an old credit card debt. I am permanently disabled and on social security only. Can my social security be garnished?
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Question: Regarding Bankruptcy: How long does it take to file, can you see a lawyer one day and file the next? Do your credit cards need to be delinquent to file BK or can they be current? Can they take my 401K if I file BK? How long will BK put off a Trustee sale? If your mortgage is delinquent can you still file BK to try to put off the trustee sale? If you have 2 accounts with one credit company like Discover and one is joint with someone else and one is only in your name, can you just file BK on the one in your name only without them going after the other card with joint owner? Thank you
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Question: How do I place a judicial lien on my neighbor's property?
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Question: Mt mother is in an assisted living home. Her retirement income and social security combined barely cover those costs. If she defaults on her mortgage can her retirement income be garnished?
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Question: When a person passes away are the outstanging debts,like credit cards passed on to their adult children?
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Question: I owe a debt to a creditor for medical expenses. The creditor has increased the debt by charging me a penalty for not paying on time. Is this legal? Are all late fees penalties?
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Question: I am being sued for a past credit card debt from 2002. What is the statute of limitations for collection and can the new creditor garnish my wages?
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Question: Can I lose my home if I fall behind in my mortgage payments?
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Question: If I am receiving Social Security income, can my creditors get a hold of it?
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Question: Should I file for bankruptcy if I cannot pay my debts?
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