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Capital One Won’t Accept My Settlement. I’m Disabled. – Wendy

“Dear Steve, I had good credit until I suffered a stroke after my 25 year marriage fell apart. I am on a fixed income now of $1380 from SSDI. Like Genie was, I am also being sued by Capital one for credit card debt of $3600, + unspecified add’l fees and interest, w/only about 25 … Read more

I’m Working With a Couple That Had Medical Issues and Debts. What Do You Suggest? – Lisa

“Dear Steve, I’m working with a couple – one of whom acquired a brain injury a few years ago. She has not been able to work and has SSDI. She also has NH Medicaid and Medicare coverage. Her husband continues to work but his income is fairly low (construction in this economy). As a result … Read more

I Was Mislead by Citi Customer Service to Default on My Mortgage. – Woody

In 2009 I applied through CitiMortgage then new HAMP (five times!) but always being turned down. After a few frustrating calls, I cited that I was a very good customer (never late or default on our mortgage monthly payments since 2002) and only to get BIG surprised, same answers that my diligence in paying monthly … Read more

I’m Living on SSD. Is It True Banks Can’t Touch That? – Vincent

many times people hear bits and pieces of things and think that they are perennial experts and repeat things that they are not knowledgable about – here is a question that I “heard” from someone and cannot for th elife of me find any information about and the reason why I am asking is that … Read more

Would Filing for Bankruptcy Hurt My Ability to Qualify for SSI? – Ave

“Dear Lewis, $22K credit card debt-making payments on time $3K hospital debt-not making payments, in collections $320K mortgage-$2K monthly payments – making on time Unemployed and filing for SSI due to hand injuries that are growing worse as I age, rendering me in pain all the time & unemployable. Spoke with Fast Track debt relief, … Read more

Should I Drain My 401(k) to Stay in My Home? – Cynthia

“Dear Andy, I am 62, on SS Disability, very recently separated, with a house that’s worth at least 250,000 and I owe 143,000. My 401K has about 115,000. I can’t survive on my SS. I can’t rely on my ex for anything. He has ruined what used to be my excellent credit so I can’t … Read more

Can Chase Bank Legally Garnish My Wages Even Though I Live on SSDI? – Bill

“Dear Jeremy, Can Chase Bank legally put garnishment on my bank accounts even after telling their lawyer twice once in civil and once in general sessions that my only income is from ssdi?I told him was unable to pay at that time. I had joined a debt settlement club prior to court visits In civil … Read more

I’m on SSDI, My Ex-Husband is Filing Bankruptcy and I Can’t Afford to Repay the Debt. – Cydney

“Dear Steve, Thank you in advance for trying to help me with my problem:) I am in the middle of a divorce. Now I know thats not a big issue but what is, is the debt issue, I am a disabled mother of two minor daughters. My soon to be ex husband had to take … Read more