She has gone bankrupt twice already, all her money is going to pay credit cards im wondering if there is anything i can do to help her so she can have money for food again
2007-03-21 15:49:01 · 9 answers · asked by truthrobot 1 in Business & Finance ➔ Credit
Sorry to hear that man.... My advice is for you to get a job, or at least a part time job if u havent got one yet. Then give some money to your mom until she pays out all her debts. I dont know what else to do in ur case but I wish u luck.
2007-03-21 15:55:55 · answer #1 · answered by Help me 3 · 0⤊ 0⤋
Since she has a problem handling money and she is on disability, she may need a payee. Ideally she will see this and agree to the help. Her Doctor would recommend to Social Security that she needs a payee and the best choice would be a nonprofit agency that does this kind of thing. The non profit credit counseling agencies can help, too. I think it is true that no one but the IRS can take SSDI payments, but that alone would not solve her spending problem. The creditors know that they cannot legally garnish her so they use scare tactics to get payments.
2007-03-21 16:43:07 · answer #2 · answered by Over The Rainbow 5 · 0⤊ 0⤋
There are FREE (services who want to charge you are a scam) services out there who assist folks that have run up credit bills they can't pay. However, you can do a lot of this yourself. Call the credit card companies and other debtors and tell them your mom is unable to make the payments. Then work with them to develop a repayment plan at a reduced interest rate. Pay a big chunk toward one card while making minimum payments on the rest until that debt is retired. Then CUT UP THE CARD.
Do the same with each card in turn. Cut them all up (except perhaps for one that can be used for emergencies.)
You mom may qualify for food stamps or other assistance - check with your local county services to see what she may be entitled to in your area. Many churches also operate food pantries to supply emergency needs.
Best of luck and God bless.
2007-03-21 15:56:40 · answer #3 · answered by Mel 6 · 1⤊ 1⤋
I am wondering if she's applied for FOODSTAMPS, if not she probably qualifies.
Also you can call all her DEBT COLLECTORS and explain her situation to them and make them give her the minnimum payments allowed. Instead of $60 a month, it would be more like $20. That can add up, to save her enough money for food. I know if you insist and don't give up, you can convince them to lower her monthly debt payments. Boy I hope that helps hun!
2007-03-21 16:15:57 · answer #4 · answered by ? 2 · 0⤊ 0⤋
me? i buy my food first, then pay my bills. you can work this out with the people who are there to help. if the disability check is all she receives, then she can get out of it, im sure. then, if she will only learn a jesson from this and not do it some more. good luck.
2007-03-21 16:11:42 · answer #5 · answered by oldtimer 5 · 0⤊ 0⤋
i ask your self why any such good sort of human beings are so against financial ruin? Donald Trump has filed it numerous instances and got here returned up on his ft. of course it is going to impression your credit for some years, although, please remember your credit is already broken. The financial ruin is there for a reason so choose for it.
2016-12-19 11:09:55 · answer #6 · answered by Anonymous · 0⤊ 0⤋
Hi,
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2007-03-22 12:20:10 · answer #7 · answered by Anonymous · 0⤊ 0⤋
No one but the I.R.S. can take a disability check! If she doesn't pay theirs nothing they can do about it.
2007-03-21 16:04:09 · answer #8 · answered by Anonymous · 2⤊ 0⤋
Get her in credit counseling.
2007-03-21 15:54:01 · answer #9 · answered by Anonymous · 2⤊ 0⤋