Question: Dear Steve, I’m living on permanent disability and dealing with credit card minimum payments that are eating most of my monthly income. I have been told that ACCC American Consumer Credit Counseling (the nonprofit organization) is great at reducing interest rates and monthly payments by 50%. Is this true? Are they reputable? What could …
Question: Dear Steve, I’m on disability and losing everything I have. So any little thing I’m grateful for. Can you help me? Jimmy Answer: Dear Jimmy, I sat here looking at your question, frustrated by so little information to go by. Typically I’d skip past a question like this, but the longer I sat here …
Question: Dear Steve, I’m on disability and being sued for $4,000; I have no other source of income. Will I be arrested if I don’t show up in court? I own a home, but it’s in my husband’s name. I do own an old Jeep. I have 216.00$ in my savings account. And bill money …
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 …
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 …
Question: Dear Steve, I need to ask for some advice. When the Economic Impact Payment was approved it included those who receive SSI, SSDI, and Veteran benefits. When the IRS was sending out the $1,200 and $2,000 I think for family’s they deposited in bank accounts that was used to file taxes, bank accounts if …
Question: Dear Steve, I have been on permanent disability since 2015. Can a credit card agency sue me for the money and win? Constance Answer: Dear Constance, You could get sued and lose the case. Most people do because they never appear in court to put up a defense. But even then the bigger issue …
Vera Thomas is more than 60 years old and suffers from diabetic neuropathy, “a degenerative condition that causes pain in her lower extremities.” Unemployed and suffering from a chronic illness, she filed for bankruptcy in 2017 in the hope that she could discharge her student loans in bankruptcy. At the time of her bankruptcy proceedings, …
Question: Dear Steve, Received full disability discharge for gov’t loans. And as bad health goes, later filed bankruptcy. My Atty made sure the private student loan (psl) people were notified directly. They did not respond. Shortly after I started receiving collections for (psl). I wrote them a response regarding the alleged debt, in that, my …
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 …