Is there a law that prohibits collectors from forcing me to pay debts? Social Security law or what?

Question

Available to low-income people with disabilities.

Answer 1

Just file bankruptcy. That will put an end to it.

Your credit will be wrecked for a few years but it's probably already in the toilet anyway.

Answer 2

You should pay all bills you've actually incurred. However, there are times that stuff happens that you can't - i.e., hospitalization for a major problem like cancer.

Check out the Fair Debt Collections Act. Google or search on Yahoo. Debt collectors have strict rules they are SUPPOSED to abide by, but often they don't. You must deal with them in writing - certified mail, return receipt requested - to preserve your rights. Collectors lie, cheat, and steal.
Never EVER talk to one on the phone. Never EVER give them access to your credit card #'s or checking account. Never give them post dated checks. Do ALL negotiating in writing.

You may also want to check on the FTC.gov website about collector abuse. As a side note, while a collection agency can sue you and get a judgment against you, if you're on SSI, they cannot garnish your SSI check. They can and will garnish your bank account, however, so if you have direct deposit, stop it.

And finally, if your debt is over a certain age, there are statute of limitations for each state in the US for how long a debt is collectable through suing. That's another search on google or yahoo.
Good luck!

Answer 3

Depends on the debt, but only the IRS is permitted to attach or levy and there are limits as to per cent-age and to time frame, but generally any creditor who attach your social security, will soon be in an affront to the law.
What has befallen you, did you get injured at work, and now are unable to pay your debts?
Perhaps you need to file a chapter 7 Bankruptcy action ?
if you have your award letter, your attorney who took a very large per cent-age, should be able to notify your creditors and either work out a plan, or get the creditors to just write the account off, as noncollectable.
Additionally if you are totally disabled, and currently reside in a high cost of living area, as any of the 25 to 30 largest cities can be, why do you not look to relocate to a far less costly area to live, as that would as lo seem to be in your best interest

Answer 4

If a lender sues and wins a judgment against you, ultimately, they can garnish your wages. However, disability and Social Security income are judgment-proof - meaning, they can not garnish from that.

Check out the website for more information.

Hopefully, however, you have the character to desire to pay the bills you owe for the goods or services you were rendered and time of receipt. With a good budget and planning, getting out of debt is very doable. Seek professional financial assistance if needed.

Answer 5

Probably depends on the material you got the debts for,
if it is a bear necessity like shelter, water and food, they can't or they can ask you to pay now and after 300 pounds of paperwork you might get it back from somewhere

I don't know what you mean with collectors, just people who work for the lawyers that demand you pay within a sertain time?

Than you can ask to spread the payments

Answer 6

If you can prove that you can't pay these debts, some will just write it off, as suing will gain them nothing. You can also think of bankruptcy. Also check out Dave Ramsey, he is on AM radio in the evenings. You can call him and ask on the air. Or send a brief email and he might answer it on the air.
http://www.daveramsey.com/radio/home/

Answer 7

There are some restrictions on what they can do - such as liens or garnishes, but either way, you still have to pay.

You could always try declaring bankruptcy, but you should really consult a lawyer who specializes in that because there are a lot of implications, it may not entirely erase your debt, and may cause other problems.

Answer 8

Alfie;I'm afraid that there isn't any law that is on the books to help you.Your Social Security Check
is yours,but the government can take it for child support.but not a public collectors.I f you have
bought items and not paid.they can take the items
back,if sold and don't get the full price,you
pay the different.

Answer 9

Only bankruptcy. There is a 7 year Statute of Limitations meaning, they have a 7 year window in which to sue you but after that time has passed they cannot but there is no Statute of Limitations on collecting on the debt. They cannot touch your SS unless it is the IRS.
Bankruptcy stops it all...

EDIT;To TALLMADOG; never assume, there is no way for you to know what the debt is for.I had a huge debt incurred from caring for my mother who was very ill the last four years of her life and I had no help from my family. It wasn't buying things it was paying for her meds and her doctors and the caregiver I had to get so I could keep working and pay the bills. She had Medicare but she had a 20 percent co-pay and that was a killer. So...never assume you know what someone's debt consists of.

Answer 10

NO WAY !!
how did you get the credit card and make a bad debt?

YOU told the creditor you had some sort of INCOME RIGHT?

WEll that means you have to PAY them the money you spent on CREDIT.... with that low income you have.

IF YOU DON"T........they can and will bring you to court and get their money.

Do what is right.... pay what you owe