Love it

@SeniorLivingOrg

2 жыл бұрын

Thank you.

You both are so helpful and truly care about helping us seniors in a world where so many find us to be collateral damage, consequently, who cares?

Thank you for everything you do for Seniors

@SeniorLivingOrg

2 жыл бұрын

Thank you for following us.

Thank you Eric, we are so thankful for all HELPS and your staff have given us peace of mind

@SeniorLivingOrg

2 жыл бұрын

You are welcome.

Presently, in Pennsylvania, no COVID PROTECTION ACT on Seniors like myself that survived covid 19/positive/ and had old debt BEFORE getting sick..No " critical illness care "...

Great information and thanks for sharing.

@SeniorLivingOrg

2 жыл бұрын

Anytime!

Thank you helps , you helped me so much today 🤗

@SeniorLivingOrg

2 жыл бұрын

You are welcome! Please subscribe to our channel.

Enjoy your couselling..👍👍

@SeniorLivingOrg

3 ай бұрын

Thank you!

Thank you, but the credit tacks on a late fee which is the same amount as the payment with each missed payment.

@HELPSNonprofitLawFirm

2 жыл бұрын

That may be, but if your income is protected and you don't have to pay the debt what does it matter? Eric HELPS

need help ASAP being suied for debt collectors

Problem is, most have paid the DEBT off already - it's the interest added on that keeps it high. I would have had mine paid off long ago if not for the interest. Who am I funding, anyway?

Can you tell me about co-signing for a incarcerated relative to a bail bonds company.

@SeniorLivingOrg

Жыл бұрын

Contact the HELPS Nonprofit Law Firm, call 1-855-435-7787 or visit helpsishere.org

Can a person work if drawing SS?

@White-ms9uo

2 жыл бұрын

Yes. Call helps. They're awesome 👌

@HELPSNonprofitLawFirm

2 жыл бұрын

Yes your SS might be reduced but after age 66 and a few months your SS is not reduced at all. Eric HELPS

I have been listening to your videos, it all sounds great until you have to submit your irs income taxes. my debts turned into nightmare taxes over debts being cancelled. I received 1099 from the credit card debt that I can not afford that either, so in the end they get your money or you go to jail...I am a senoir and I already got screwed!!!!

@HELPSNonprofitLawFirm

2 жыл бұрын

This is not the case! I believe we discuss a 1099c in this video with Senior Living: kzread.info/dash/bejne/qqprsc9xg6SvcbA.html There is much misinformation on this topic. If a person is insolvent meaning their debts exceed their assets then there is no taxes because of a 1099c IRS form 982 can be filed. But even if there is a tax many if not most lower-income senior can qualify for currently not collectible status with the IRS. Here is a link to a video from HELPS explaining all this in more detail: kzread.info/dash/bejne/YpiVr8uFe5rJe9o.html Eric HELPS

This organization isamazing . Call them. Will change your w hole life

@SeniorLivingOrg

2 жыл бұрын

Thanks for being our advocate.

I’m 61, very low income but working. No savings, no property, I don’t own anything. I received a court letter giving the date the CC would be in court. I didn’t go, am I “judgement proof”.

@HELPSNonprofitLawFirm

2 жыл бұрын

If your only income is Social Security, disability, or pension then your income is protected and you are judgment proof. Eric HELPS

@deedeeotero4475

2 жыл бұрын

@@HELPSNonprofitLawFirm ok then I guess I’m not because I’m not collecting any social security, disability or pension.

@HELPSNonprofitLawFirm

2 жыл бұрын

@@deedeeotero4475 Actually you are likely judgment proof. 217.50 net per week is protected from garnishment everywhere and in some states the amount of wages protected from garnishment is much higher or for example in Texas not even allowed. ERic HELPS

Yes l am worry because l have medical bill l am 80 yrs old and hospital is calling me about the bill l owe l only have retirement thank you so much at lease some one is think ing about us old people thank you

@witchhunt5781

2 жыл бұрын

So sorry to hear that. Checking to see if you're my ex husband's mother whose family has abandon her. I told my son we need to check in but we live in Alaska and she lives in Texas all her life. She & I had issues. Mainly her son lied to her. I am sure she has found out about his illegal dealings. Poor woman. She took his dude not her innocent grandchild. You see all my parents, grandparents, and husbands past away and it would have been great if she kept up her relationship with him. But I believe there was some issues with me being white. So sad. I tell my son to be gentle if that comes up. During her life time she has seen much change. But anyways I do do hope someone can help you in your state

@White-ms9uo

2 жыл бұрын

Call HELPS. THEY'LL make it stop.

@HELPSNonprofitLawFirm

2 жыл бұрын

Here is a link to a video with HELPS discussing medical bill issues: kzread.info/dash/bejne/d2Sl0sWDk7SvYbw.html

I admit it, I do worry. My husband and I are a second marriage starting over in debt at ages 46 and 50. I organized and orchestrated a do it ourself $7.000 wedding ($2,000 of that was airfare to fly our children home for the nuptials,) no diamonds, no honeymoon. We spent our early married years paying off his $16,000 in debts and starting over. He never made more than $40,000 annually and we had both raised and educated two children each prior to meeting. I worked part-time and temporary jobs because my health was not good enough to work fulltime. We lived very, very simply - no new vehicles, no fancy vacations (we camped), grew our own vegetables, kept chickens for eggs, and cooking from scratch and pinched pennies. We scaled the property ladder over the years by buying cheap, remodeling and selling two homes 20 some years later each time buying a property that was worth more with each move. Now 27 years later we still have no debts except the $125,000 left on our condo mortage and we are 71 and 76. My worry is that if my husband dies first, and with the loss of one Social Security and his extra part-time income, I will not be able to stay in our current condo as the money we will THEN have coming in will likely not cover my needs. (Without his working parttime - he works three days a week and brings home about an extra $22,000 per year that goes to our medical/dental/eye needs and extra condo principal payments of $400.00 extra PER MONTH. Yes, I could sell my condo and live off those proceeds but, in our geographic area, renting a simple one-bedroom apartment now costs $1,200, $1,500 to $2,200 PER MONTH and I can actually live In pour condo for less while accruing an nice asset. Can they force me to sell my condo?

@HELPSNonprofitLawFirm

2 жыл бұрын

You don't have any debt except for what is owed on the condo. And yes in order to keep the condo you would have to maintain the mortgage and condo association payments. If the condo is worth enough and it is an FHA approved association (only 10% are) a reverse mortgage could pay off the mortgage and require you only pay the association payment. Many surviving spouses have to make adjustments when a spouse passes away and income decreases. There are less expensive areas to live and in my experience these things do work out. It is a fact that many couples could do things that make it financially easier for a surviving spouse. That might be good video for HELPS to do with Senior Living and I will suggest that. Eric HELPS

@donnaallgaier-lamberti3933

2 жыл бұрын

@@HELPSNonprofitLawFirm Here's what i don't understand...Why would seniors with credit card debts, unpaid property taxes or medical debt NOT have to pay those bills while I have to pay the debt on my condo mortgage (for a place to live?) We worked hard, sacrificed greatly to live below our means, bought cheap and remodled and worked out way up the property ladder for our entire life and did not charge anything and have no debts (except this condo mortage) and yet we cannot catch a break? This feel to me a bit like the college student, like me, who worked fulltime while going to school full time and put myself through college without any debts while my classmates partied on spring break, charge everything while in college and then get their college debt forgiven? Does this seem fair and or equitable to you?

@HELPSNonprofitLawFirm

2 жыл бұрын

@@donnaallgaier-lamberti3933 The Condo has a mortgage which is a lien which requires it be paid or it can be foreclosed on. Eric HELPS

I question, bankrupcty procedure..A total stranger, " a trusteee " is appointed by the court, to give you advise...!!?? Whats wrong with this !!??

@SeniorLivingOrg

3 ай бұрын

It may not be a great system but it's the system we have.

Survived covid 19/positive/2x, and was fired, in the wirkforce, even though i quarantined and had doctor notes..isnt this discriminatory !?

@SeniorLivingOrg

3 ай бұрын

So sorry.

I have more in my savings account than 2 months of social security. I also have a union pension in addition to my Social Security. Do you only address seniors with absolutely nothing saved? Can you recommend videos aimed at people with low income but not below poverty level? I have enough saved to cover my rent for 8 years. What if I live 16 years? Come back and watch a video then? LOL.

@HELPSNonprofitLawFirm

2 жыл бұрын

Social Security is protected regardless of the sum. You can always call HELPS regarding your particular situation Eric HELPS

Who is considered a senior? Over 60?

@HELPSNonprofitLawFirm

Жыл бұрын

Actually these laws are based on income SS and other retirement income not age

Why can’t one bankrupt? Can a Senior Bankrupt?

@White-ms9uo

2 жыл бұрын

Don't need to. Call these guys

@HELPSNonprofitLawFirm

2 жыл бұрын

Yes seniors can file bankruptcy. But because their income is protected and can't be taken bankruptcy is probably not necessary. And there are means to stop unwanted collector harassment. Many seniors can't afford or don't want to go through the stress of filing bankruptcy. Eric HELPS

@lynnmcmillian5137

2 жыл бұрын

@@HELPSNonprofitLawFirm Thank You 🥀

Bankrupcty filing alone, is public..You are in shame, as it is..

@SeniorLivingOrg

3 ай бұрын

Yes, but I don't check the records so I don't know if any of my friends or neighbors have filed for bankruptcy. Thanks for sharing your opinion!