I’m Disabled and Losing Everything. I Need Help.

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 … Read more

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

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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

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

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

LTD Insurance Wants Even More Money Out of Me Now – Albert

Question: Dear Steve, Initially LTD insurance company (Prudential) sent me an invoice for a claim overpayment of $19,767.00 once I received social security disability. I knew I owed that and immediately paid it via check. They mailed me a receipt that says, “We have received your check . . . the overpayment on this claim … Read more