I’m Living on SSD and Bill Collectors Call All the Time. – Barbara

A few years ago, I became quite ill and lost my house and car (owe $9K) as well as defaulted on unsecured loan ($12K), telephone bills (under $200) and 2 credit cards (1500). I have one judgment for approx $900 and numerous medical bills. I am now on Social Security Disability and don’t think I’ll be able to return to work because of my health and age. My income is 1988 per month and living expenses are approx 1500.

Although I am able to meet my current living expenses now that I’m on SSD, I have all this past debt hanging over me. I know my Disability can’t be garnished and the debt collectors rarely contact me once they became aware of my situation. The problem is with renting an apartment. I was lucky to get the apartment I have with my credit. The landlord overlooked it because a mutual friend vouched for me. Unfortunately, maintenance is awful and I would like to find a new place, but was rejected due to bad credit. Landlords I talked to don’t like bankruptcies either, but will overlook medical bills. Am I stuck until the bad stuff falls off my credit report?


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