I’m on Social Security. Should I Settle My Debts?

Piggy Bank

Question: Dear Steve, I’m retired, receiving social security and small pension, $21,404 annually. I bought a mobile home a couple of years ago, good price, as-is. Turned out to be more than I bargained for. I currently owe about $13,000 between credit cards and one personal loan (about $10,000). I’m making payments but have missed … Read more

My Son’s SSDI is Being Garnished Twice for Child Support


Question: Dear Steve, My son receives Social Security for Disability when Social Security was awarded, $600 was assigned to his daughters. A few months ago the office of Child Support in Florida, garnished her Social Security Benefits for $700 more. They said that if he does not provide evidence of the $600 previously assigned to … Read more

My Total & Permanent Disability Request Was Denied and My SSDI Got Garnished

Question: Dear Steve, The Department of Education denied my TPD (Total & Permanent Disability) form when Navient was still Sallie Mae back in 2010. Since then, I’ve had my SSDI offset after I started receiving collection notices through a 3rd party company contracted by the Department of Education. Fast Forward to 2016, and I was … Read more

Should I Go With Simple Path Financial for My Medical Debt?

Bob wrote to me through the GetOutOfDebt.org website He said, “Steve, I’m disabled and recently survived cancer and declared Bankruptcy on $3.8 million of Medical Debt that I had from 2016. I’ve rebuilt my credit from that, but then I went into kidney failure, leading to dialysis and a transplant. I’m on SSDI I and … Read more

What You Need to Do to Get Your Federal Student Loans Forgiven if You Are Disabled

Question: Dear Steve, I’m medically disabled and unable to work. Sever strokes, diabetes, heart stents, high blood pressure, amputee, difficulty walking some dementia, due to the stroke, and kidney disease. How yo apply for total and permanent discharge? Alvin Answer: Dear Alvin, My goodness, you’ve faced your medical challenges. I can’t even begin to imagine … Read more

We Owe a Lot of People Money Including Social Security Disability Overpayment

Question: Dear Steve, I am 57 yo male married 27 years my wife is 52 yo we both work full time but r in debit for cars, student loans, and house payment plus my wages r being garnished by SSI for overpayment We owe about 160,000.00 student loans 1 car pay 427.00/ month for 30 … Read more

My Entire Social Security Check Was Taken by ACT for Defaulted Student Loans

Question: Dear Steve, I am in default of my student loans. The government has attached a 15% offset payment from my monthly Social Security plus any state and/or federal tax refunds. This offset has been ongoing in excess of 3 years. Now, Account Control Technology has taken 100% of my Social Security check. My attempts … Read more

How Can I Stop a Social Security Garnishment After it Stared?

Question: Dear Steve, I receive ss disability due to having brain tumors. They are benign. But I have had to full brain surgeries & one round of radiation & I still have the tumors. I read your article about stopping the garnishment on social security checks & how it should be done when you get … Read more

Will My Credit Card Companies Write Off My Debt Because I’m . On SSDI?

Question: Dear Steve, I have been disabled for 10 years now collecting only SSDI. I am over my head with credit card and student loan debt. My medical expenses and rent have gone up significantly in the past 2 years. My federal student loan is on an income-based repayment of $0/month. My private student loan … Read more

How Do I Get My Payday Loan to Stop Draining My SSDI?

Question: Dear Steve, I am currently on SSDI (Social Security Disability Income) and have been in a payday loan for over 5 years where each month I have to re-loan to catch up. My bank account is negative $600 almost half my SSDI check each month. And also owe $600 the same month. that is … Read more

I’m Disabled and Being Sued About Past Due Credit Card Debt

Question: Dear Steve, I am being sued over a $2600 debt with CC company. I am fully disabled. My income comes from two sources, SSDI and private disability insurance. I know that SSDI is not garnishable, however, it’s unclear whether my private disability insurance is garnishable. Wisconsin statues regarding this matter at best are extremely … Read more

We Are Living on Social Security and Disability And Can’t Pay Our Bills

Question: Dear Steve, Between myself and my partner of 11 years we are in debt about 20K. I am undecided as to whether I should file for chapter 7 , or a debt relief company. We are both collecting ssi for my partner and myself ssdi. Any suggestions would be greatly appreciated. Cindy Answer: Dear … Read more

MY SSDI payment is About to be Garnished Over a Federal Student Loan

Question: Dear Steve, I lost my job and was unemployed in 2013. At the time, Sallie Mae and Nelnet were my student loan servicers. I applied for and was granted deferment or forbearance and had to submit my paperwork in triplicate because Sallie Mae has my loan in two bundles (of loans). I tried to … Read more