These videos are great because they not only help the senior, but they help the people that the seniors are interacting or doing business with. Those business people are clueless about what Seniors rights are. Many landlords are seniors themselves and don't know these things

@teresamangels5609

2 жыл бұрын

Iuyy yo oil oo

@alfredstmartin9031

10 ай бұрын

Insurance is the biggest scam ever forced on the public besides money and criminal elite banks

@do9138

10 ай бұрын

Most "landlords" are now corporations. They know, but they ignore laws. They will take as much money as they can and do zero repairs.

@refuztosay9454

10 ай бұрын

What rights are those? The right to take a out loan - with no intention of repaying it? And then, getting new lines of credit because the previous lenders we ripped off can’t ask for repayment from our SS benefits? I love how people conveniently convert a sin into a “seniors right.”

@do9138

10 ай бұрын

@@refuztosay9454 I have no idea why you sent ME this comment. Since I am an "evil" professor, I can't participate in SS. Go scream your greed at someone else.

Our so called best country on earth treat our seniors like crap. In a nutshell.

@GigiWright

3 жыл бұрын

In many countries/cultures seniors are revered

@ann1954ful

2 жыл бұрын

They have no respect for wisdom and this is a big mistake! 🙏🏾

@suzettebavier4412

2 жыл бұрын

I like your straightforwardness

@rcas350pilot8

2 жыл бұрын

I'm a senior, treat me like crap and you get twice as much crap back.

@13Missie

Ай бұрын

Our government never miss funds going to other countries.

Seniors are seen as a depreciated asset and we are treated as such. Imagine we worked all our lives and in the end we get the craps.

@mcleanblades9234

2 жыл бұрын

How are seniors getting craps when they are receiving social security benefits and non-seniors are paying? Where is proof that - assuming good health - that seniors are treated badly?

@mimiescape2023

2 жыл бұрын

@@mcleanblades9234 seniors PAID all their working lives, too. The hardest thing for some of us is the FORCED premium payments for Medicare from our SS. $150 may not seem like much, but on SS, it is a hefty reduction.

@rcas350pilot8

2 жыл бұрын

I'm a senior and been retired for 7 years now. Life has never been better; wish I could have lived like this years ago. Only health issue is getting my pullup count higher. Please speak for yourself only.

@bvm3925

11 ай бұрын

​@@mcleanblades9234 here's a fact for you. The money that I've been paying into social security for the last 50 years will be used for FUTURE generations. So don't ever assume that YOU are supporting me in my old age.

@jeffdo9195

5 ай бұрын

U​@mcleanblades9234 uh we paid into SS our whole lives its OUR money stop your bitching

Thank you for this program. I am 80 and struggling to pay off a lot of medical bills that got dumped on me because my insurance carrier said another insurance company was responsible…so neither paid and the doctor offices came after me. Of course I am on Medicare and have no savings and live on my SS check. If I didn’t have my little mobile home, I would be on the streets. Rent is $1200 or more plus elec., phone etc and I only make $1389.00/mo and that is too much to pay for low income housing. No we are not treated fair.

@SeniorLivingOrg

3 жыл бұрын

I'm so sorry to hear your going through hard times.

@richardk6659

2 жыл бұрын

Don'r pay them. Medical bills are now weighted less by credit bureaus. You're insurance company may indeed be liable, even if they claim they aren't. Talk to a consumer law attorney.

@vivianmckeithan7487

Жыл бұрын

I agree 💯% with you ✌🏾👏🏾🤙🏽❤️

@charlessoukup1111

11 ай бұрын

My City charges me $600 a month in property tax A MONTH for a three bdrm house. No relief for seniors or at my income level, which is only Soc Sec income. Savings dwindled after ten years of retirement ,(I'm 76). How can that be fair or sustainable with a mortgage remaining on my house where I live alone?

@lynnhoffman247

10 ай бұрын

@@charlessoukup1111Do they not have a Homestead Exemption where you live? It helps to reduce your property taxes on your home after 65.

Thank you for your help. This country is in a sad state when it makes it’s aging, hardworking citizens suffer so much.

@SeniorLivingOrg

2 жыл бұрын

We are here to help!

@Pastor1947

Жыл бұрын

You are so right. The politicians work for us but are not helping us.

This is very interesting because I was just turned down from renting a senior govt subsidized apartment because of 'derogatory credit'. So I definitely will be in touch to get a Landlord Letter to enclose with my next application. Thank you.

@primordialmeow7249

3 жыл бұрын

Please appeal. I did and it helped.

@susangill5

3 жыл бұрын

@@primordialmeow7249 Well, my appeal time is up now. And truthfully, I didn't care for that particular apt but was tired of waiting, I'm telling myself it wasn't meant to be. I recently withdrew from a debt resolution program because by continuing,...I couldn't afford rent.

@ranay5029

3 жыл бұрын

Seniors lease now🤔 instead of car loans

@susangill5

3 жыл бұрын

@@ranay5029 I don't understand.

@ann1954ful

2 жыл бұрын

@@ranay5029 Leasing, I need information on what’s the best for me as I will be 67 next week and am in need of another car. Thanks for responding. 🙏🏾

You have no idea how you have just alleviated the stress I have had over the past 4 months ! I am a 74 yr old on a fixed monthly SSI with no other income and have been drowning credit card debt since having to move back to NY and incurring an increased $1350 monthly rent and utilities debt

@SeniorLivingOrg

2 жыл бұрын

We're glad to help. Please share the channel with your friends.

@aros007z

Жыл бұрын

Damm…you don’t look 74 years!

That was very educational. I just went and filed chapter 7 at 62 years old. I felt very bad that I had to do it. I have never been behind on my credit card payments. I had Bank of America for 20 years. I called Bank of America to see what they lower my interest rate from 20% during the coronavirus they said the only way they can lower it. I would have to close the account and they would give me 2%. Send me a letter to say if they approved it or not. I continue to pay $600 a month they continue to take $500 of it at least. Because of Bank of America I was forced to file chapter 7. I take full responsibility of charging so much I will never do it again I do not want to see or hear about a credit card. Unless it's a unsecured card. These Banks will take advantage of you watch out.

@SeniorLivingOrg

2 жыл бұрын

Thanks for the feedback.

@Pig845

Жыл бұрын

Do you charge for help

@monicadean8159

Жыл бұрын

Bank of America, which has branches in many Walmarts, is awful about bouncing your account , and that's why I never bank with them. They'll hold your deposit, and let your transactions go through, in case they can find any transactions they can bounce. I've been banking with Wells Fargo, and they treat me like gold. They haven't done any of the nonsense Bank of America has.

@bettyendsley8720

10 ай бұрын

Banks are crooks anyway,they're all crooks and they come up with all this bull because we don't know the game and we work all our lives and finally retire and like me you get cancer, now here comes the outrageous medical Bill's that Medicare don"t cover and your monthly check is barely 1000 dollars a month. They all get rich off less fortunate seniors. I may have to stop my treatments because having cancer your out of pocket money is unreal. 😢

@MK-ft3qt

9 ай бұрын

Don't ever feel bad about bankruptcy....it's there for a good reason.

Thank you. A few years ago I got into credit card debt and couldn’t pay, now my credit rating is 509 and it makes my car insurance higher. I have to disagree, good credit is very valuable.

@HELPSNonprofitLawFirm

3 жыл бұрын

It is valuable. But the video tries to point out that good credit isn't valuable enough to sacrifice basic needs like food, medicine or heat etc. Look at it this way continue paying $300 in credit card debt you can't afford by cutting back on basics to save $27 per month in car insurance. Here is a quote from one website on the difference: "If you have average credit, the same full coverage costs around $173 per month, on average. And drivers with poor credit will pay, on average, approximately $202 per month in premiums." Also not all states allow credit to affect insurance. The point is many seniors don't need credit like they used to especially if they have lower income or are poor. Higher car insurance is a comparably a drop in the bucket versus continuing to make high payments for old debt you really can't afford to pay. Eric HELPS

@Chris_at_Home

3 жыл бұрын

I ran up some credit cad debt doing some work on our home. It is sad that the agencies that do your score don’t take into account that we have the deed to our home, are exempt from property taxes and have no vehicle payments. They hammered me for $20,000 of credit card debt which is all I have. I make pretty good money retired also.

@Paula-po9kx

3 жыл бұрын

@Common Sense Revolution I didn’t refuse to listen to anything, how would you what I did or didn’t listen to, you don’t, so just stop your lying.

@melaniesue8170

3 жыл бұрын

This is an embarrassing question, but at what age is considered a SENIOR?

@Chris_at_Home

3 жыл бұрын

@@melaniesue8170 There is really no answer. Usually above 55, but some places you can get senior discounts at 50 and others it is 60. For my property tax exemption it is 65.

Good credit is advantageous at any age.

@HELPSNonprofitLawFirm

3 жыл бұрын

Good credit is advantageous at any age if it is necessary. Eric HELPS

@mdjones905

3 ай бұрын

Not always, insurance will use it to increase your rate.

Yes my medical bills at a credit bureau affects my credit

Thank you so much for giving this information - very helpful and considerate. Definitely something seniors may need - especially during these challenging times. God bless you guys!

Wished I would have known this 4 years ago. Thought I was secure in my job but got laid off at 65. One year before I was of age to collect all my SSA. I 85K in my IRA but spent every last penny paying down debt and supporting myself until I could collect my full benefit a year later and I still have some debt left!!

@HELPSNonprofitLawFirm

3 жыл бұрын

Ugh. I am thankful that Senior Living is helping spread this information so seniors with lower-incomes can have more comfortable lives Eric HELPS

@Sweetcheeks168

3 жыл бұрын

@@HELPSNonprofitLawFirm Amen

Very helpful information. Thank you!

I once applied for a low income apartment for seniors and was turn down become of my low credit score, i had to get my score up to where they wanted it to get the apartment , so i guess in some cases we senior have to worry abour our credit scores. that's also for lower car insurance rates and lower down payment to get electric turn on etc.

My husband and I are both disabled. We had credit cards that ended up being used for bills and meds during the time waiting for approval. Now we are 10,000 in debt, still making payments on 5 cards with an income of 2100 a month with rent being 1000.00

@Mar-tl6bv

3 жыл бұрын

Wow so sorry

@HELPSNonprofitLawFirm

3 жыл бұрын

Senior Living has some other videos I believe would be helpful. Eric HELPS

@BlessedBeMyDay

3 жыл бұрын

Please choose you before you choose to pay card. Don’t go hungry and take your medicine.

@daisyunderwood1002

3 жыл бұрын

@@BlessedBeMyDay thank you. We have good insurance now. And we get snap benefits. But yes there was a time we were paying for everything on cards. Unfortunately we can't get anywhere on them because we can barely make the minimum payment.

@daisyunderwood1002

3 жыл бұрын

@@Mar-tl6bv thanks. We manage

Not exactly true, I hope to refinance my home……… however, my credit does matter to me at 70. It has been quite the experience for the last five-six years.

Thank you for this information. God bless,

PRICELESS INFORMATION!! THANK YOU BOTH!!

@SeniorLivingOrg

2 жыл бұрын

You are welcome. Please share the channel with your friends.

Ps- also bad credit increases apt and car insurance rates, and sometimes requires deposits for utilities etc.

Thank you both for sharing all of this important information. I've always had excellent credit score all my life and as a senior it's a relief to know I don't have to worry about it any longer like I once did.

Thank u for this information it means alot to me

I had to use my credit cards to eat, buy food. I was living on 800.00 a month. Now I get more money and are trying to pay them down. It willtake a long time.

@amandatarkington6877

2 жыл бұрын

I am in the same boat. Thses low paying jobs are useless.

Everything he said is absolutely right on point. I can say this because I have been through things and worked in many legal areas. But still always need to be reminded. Great sensible information. Thank you so much.

@SeniorLivingOrg

2 жыл бұрын

Thank you for the kind words. Please share the channel with your friends.

Thank you for this informative video. You cleared I a lot stress.

So helpful. Thank you guys. ❤️

@SeniorLivingOrg

3 жыл бұрын

You are welcome. Please share the channel with your friends.

Thanks

Thank you for this video. It's all the more reason I started a internet home based business. It's not rocket science but I told my self years ago to protect myself as I got older.

@SeniorLivingOrg

2 жыл бұрын

Thanks for the kind words. Please share the channel with your friends.

Again very helpful

I'm 73 and I have lost much $ from being a victim of fraud and those that have been in my life for the last 24 years. I tried to get a $2,000 loan to at least pay back rent. Denied. I'm tired of all of this, I get a nice amount each month from SS. So I believe I will recover. I owe $ for medical, but I'm not paying them, they got enough from my Medicare. I own my car so no payment there. THANK YOU FOR WHAT YOU DO AND YOUR ADVICE.

Thank you so much for all this information very helpful.

@SeniorLivingOrg

3 жыл бұрын

You're welcome. Please share it the channel with your friends.

thank you! Very helpful!

@SeniorLivingOrg

3 жыл бұрын

You are welcome. Please share the channel with your friends.

Thank you for this information 🙏❤️

@SeniorLivingOrg

Жыл бұрын

You're welcome. We hope you're a subscriber!

Thanks for your program I have learned something today that I did not know about seniors and their credit. I am one of those seniors at age 76 and are concerned about keeping my credit in good standing while I am on Social Security. I am a veteran but I am not a disabled veteran. I am purchasing my own home and will give you a call.

@SeniorLivingOrg

2 жыл бұрын

Glad we could help. Please share the channel with your friends.

Great video. Thanks!

@SeniorLivingOrg

3 жыл бұрын

You're welcome. Please share our channel with your friends.

Thank you so much for verification of my assumption of not worrying about my credit score...I'd been doing so and suffering because of same. One card, low balance, cancelling the rest, or allowing them to cancel themselves. Oh what a relief it is.

@SeniorLivingOrg

3 жыл бұрын

You are welcome. Please share the channel with your friends.

@ann1954ful

2 жыл бұрын

@Carmen D. Cruz Thank you 🙏🏾

Great information thanks 😊

@SeniorLivingOrg

2 жыл бұрын

You're welcome. Please share the channel with your friends.

Ty for sharing because I got Sick and can’t work any more this is so helpful

@adenikeawofadeju5848

3 жыл бұрын

I began my journey with Credit MasterFix Group in the beginning of August. Roy Brandon and the team have been very persistent with information and reassuring that I am on my A-game. People may think what Credit MasterFix Group do can be done by anyone, but the knowledge and effort this crew brings to the table is untouchable. In my personal experience they bring structure and guidance to assist me with reaching my goal of becoming a homeowner. (By the way since the start of August my credit score has increased over 160 points) I am recommending their expertise to anyone who is serious about gaining stability for their future! “CREDITMASTERFIX🟡COM”

It's great that he was able to write one letter and change one mind for one person, but as a landlord when I can't garnish income or checking accounts it makes payment history that much more a factor in my decision making. Also industry data shows those with bad credit average over $1,200 a year more for car insurance in the U.S. With good credit I pay $38 a month for full coverage including roadside assistance and $200 deductible. Perhaps no reason to meet one's obligations, but definitely something to consider when doing the math.

@HELPSNonprofitLawFirm

3 жыл бұрын

It is difficult for seniors with money, who can afford to travel, and are landlords to understand the difficulty lower-income and poor seniors with debt have maintaining their credit. It is necessary to listen to the video and not just read the title. The video discusses why lower-income seniors don't need to go without basic needs to pay the debt they can't afford simply to maintain credit. Some states do not allow credit to affect insurance rates. Most lower-income seniors do not have expensive cars that reflect the $100 extra in insurance referenced. Your discussion of how you rent is exactly the reason for the landlord letter discussed. Seniors who apply to rent from such landlords will save the $50 application fee. Seniors as a rule, including lower-income seniors, are excellent tenants. Lower-income seniors' income is safe, can't be taken, and is available for rent. These seniors normally pay rent the very first. Eric HELPS

TY!

@adenikeawofadeju5848

3 жыл бұрын

I began my journey with Credit MasterFix Group in the beginning of August. Roy Brandon and the team have been very persistent with information and reassuring that I am on my A-game. People may think what Credit MasterFix Group do can be done by anyone, but the knowledge and effort this crew brings to the table is untouchable. In my personal experience they bring structure and guidance to assist me with reaching my goal of becoming a homeowner. (By the way since the start of August my credit score has increased over 160 points) I am recommending their expertise to anyone who is serious about gaining stability for their future! “CREDITMASTERFIX🟡COM”

I need to know more about this.I'm in this problem now.

Credit Score For some IS STILL IMPORTANT......my last hope is a TINY HOUSE.

@judymiles7186

3 жыл бұрын

That's my hope, too.

@sherrystacyrn589

3 жыл бұрын

@@judymiles7186 Check out Incredible Tiny Homes in New Port Tennessee...Randy Jones. ....they are on KZread and facebook.....I will have them build mine.....Best Wishes for your dreams to come true. I'm 63 and ended up with bad credit from medical bills....been working on it for two years and have it up to 702......we will get there.

@beckyelliott2871

2 жыл бұрын

@@judymiles7186 my Wish List has a van conversion at the top! Take your your tiny home wherever YOU choose to go! No hotels!

@calvinnunnally5319

2 жыл бұрын

Senior age is ??? To be free from garnishment for credit cards

@sherrystacyrn589

2 жыл бұрын

@@calvinnunnally5319 It may be free of garnishment, but I bet it is not free from being reported to the credit bureau. Am I right?

This is all me! I am in this predicament seriously! Why are the Debt Relief programs are so persistent to have me sign up with them? I should just let my cards go. I’m not able to pay my debts. Thank you so much! 🙏🙏God bless!!

@HELPSNonprofitLawFirm

3 жыл бұрын

Debt relief programs will never tell a senior that their income is protected can can't be taken. Instead they sign seniors up putting some in utter poverty making payments for old debt they don't need to pay. What they don't tell seniors is that they have a prearranged agreement with credit card companies to take 15-20% of whatever they collect as "donation." They have a classic conflict of interest and even the nonprofit debt management companies thus take advantage of seniors Eric HELPS

@ladilondon1213

Жыл бұрын

@@HELPSNonprofitLawFirm WOW… I almost signed up with one, but realized I wasn’t able to pay thru them either😬🤷🏻‍♀️

Hi I was able to get hold of your firm so glad my call went Thu. The lady I talked to was so nice and helpful. So glad you are here to help us you are angels thank you again looking forward being your client.

@SeniorLivingOrg

2 жыл бұрын

You are very welcome. Please the channel with your friends.

Thank you for the information . I am 61 and disabled . My husband is going to be retiring next June at 65 . We will have our car paid off 5 more payments so that is no stress . We have $8000 in credit card debt plus some medical debt incurred during the pandemic. Now I can breath .

@SeniorLivingOrg

10 ай бұрын

Glad we could help.

I'm 73 years old. Have 10 credit cards (some have limits under $1,000) that I pay EVERY month. I only was late on one payment because I was on vacation and thought I had put all of my cards on automatic payment. But one of them I did not because I would be home in time to pay it. My bad. As soon as I noticed that it didn't get paid, I paid it. So, with my good payment record, shouldn't my credit score be good? It shows I use 67% of my available funds. But, NO! My credit score is around 570!!!! So I have nothing to lose by contacting you guys and trying your method. So glad I came across you videos.

@Catalystresource

10 ай бұрын

% of credit used has HUGE impacr. They like to see only 30% of total credit line.

Elderly mom has huge balance on credit card..pays bills on this card..she pays minimum each month..never goes down.

@richardk6659

2 жыл бұрын

Probably better to go Chapter 11 bankruptcy. She can get a new secured CC, and within two years have a good score again.

Thank you so very much for this information. I'll be calling you soon.

@chantalsslippersondeedeesf4853

3 жыл бұрын

@janicehraga, you won't regret it. I've been a client of helps for a year and 1/2 and they have helped me so much. I knew nothing about this Law firm until I was referred to them by a debt consolidation company, which is unusual because Debt Consolidation Co's usually don't tell Seniors or people on disability this Law firm even exsits!

i just retired for my life (very high bp 220/110 numbers) i thought retirement was going to be better than it is, mortgage, truck, takes 1/2 of my income. gasoline, and utility's take the other half. most of this past year i had to just sit in a hot dark house. now it is a cold dark house(winter). the bill on the truck is the only one not going up. taxes is the power to destroy. yes i need the pu, i try to take care of my mom, she is in a nursing home. i need to add in to her checking account to keep her solvent. ( aka: not kicked out of where she lives now). some of my creditors are very mad at me. but at least the calls have mostly stopped. no way could have the moneys to pat them, as i am on a diet now. only X amount of food each month. not starving. but just making it month to month. people say buy a cheap eico car. but with what money? and then how many years will it take to break even on the cash flow?

I put this as simple as possible it's always better to have a good credit score than a bad one

@HELPSNonprofitLawFirm

3 жыл бұрын

Of course but that has nothing to do with this video. Eric HELPS

@davemartinez4143

3 жыл бұрын

@@HELPSNonprofitLawFirm I stand corrected. I was being narrow-minded and applied only to myself.

ThxFromSantaCruzCA

Great to know because this credit card people keep bothering me

@SeniorLivingOrg

2 жыл бұрын

Contact the HELPS Nonprofit Law Firm, call 1-855-435-7787

I'm 68, paid off my car early, no debt and my credit score dropped. Makes no sense. I needed my credit score to remain "good", I would like to move. Nothing makes sense anymore.

Agree, necessities should come first. Healthy food, medical care and food should come first. Credit cards are unsecured and are usually offered.

First I was taught to always pay credit cards or any debt. 5 years ago I got a loan through FHA for a small home that had been under foreclosure. Great deal and has doubled in value in 5 years. I had a run down home, but required so many updates I just worked on it through the past five years. Painting, small repairs, replacing carpet, and with housing prices going up up, I did sell it, and very pleased with what I received. I cut out all unnecessary items including landline, cable, Terminex, only liability insurance, new clothes, and ate healthy food with no eating out. Even at my age of 77, I saw no reason to be the victim, so planned as though young. This is on minimal SS.

@shirleydenton4747

3 жыл бұрын

Also, good credit rating saved a bundle and aggravation on many things including car insurance. I used KZread to make home repairs.

@HELPSNonprofitLawFirm

3 жыл бұрын

This is great. You are to be commended. However, all seniors are not in the same boat so to speak. Some simply have debt they are unable to pay. The point of the video is that for many seniors maintaining good credit is simply not an option nor a good idea. Especially if they are sacrificing basic needs. Eric HELPS

@msladydi123

10 ай бұрын

Well, this is fine . But God forbid if get sick and can't get around, it will be a different story. Your almost their 80years old by now. You seem to miss the point...bragging seems to suit you.

@shirleydenton4747

10 ай бұрын

@@msladydi123 You seem to like the loser role. Not a braggart , just taught to fight and plan. I have been disabled for two years when I was young, and I crawled Around from one piece of furniture to another to clean, and cooked on a walker. You have to keep a fighting spirit through all the trials that come your way.

@hikerhobby1204

10 ай бұрын

@@shirleydenton4747I think you were smart! Don’t mind other peoples comments! God bless!

One problem I see is that if Grandma is able to escape a $20,000 credit card bill, at some point can't the money be considered as income for tax purposes? Now she is on the hook for whatever taxes is needed to be paid on that $20,000. Since the taxes is a government debt, that cannot be wiped away.

@HELPSNonprofitLawFirm

3 жыл бұрын

Not the case for a number of reasons. You are talking about a person receiving what is called a 1099c (c stands for cancellation of debt) where a creditor sends this form to the IRS and the canceled debt can be deemed to be income. If a person is insolvent which means their debt exceeds their assets there is no tax. Form 982 can be filed with the IRS. Many tax preparers are unaware of this form or rule. As a result, some seniors pay taxes they don't have to pay. Additionally, it is simply not the practice of the IRS to send notices regarding 1099c to seniors on Social Security and if they did IRS form 982 could be filed later. Also if a senior did owe a tax many lower-income seniors would qualify for non-collectible now status and have to pay no taxes. Finally, it's not true that government debt can't be wiped out. HELPS works with thousands of seniors and we don't see this as a problem at all. Eric Olsen Executive Director HELPS Nonprofit Law Firm

@pattypierce8189

3 ай бұрын

Seriously ! Get out of here.

I have a friend who was denied a public housing apartment due to a low credit score. I was surprised they even checked it.

@HELPSNonprofitLawFirm

6 ай бұрын

This should be uncommon for seniors as seniors income is protected and can't be garnished Eric HELPS

We should be teaching everyone how to budget while they are still young. Young people don't need top of the line cars, jewelry, fashion or non-essentials. One of the first things to buy is real estate within you means and work up from there, plus putting (even if it's $5) something aside every month. Don't fall for these sales people that talk you from overbuying.

@SeniorLivingOrg

2 жыл бұрын

All great points. Thanks for contributing!

This Q for someone I know: 1) What about if unemployment in WA is taking all of a persons money (a # of years ago)? Accused, and was unable to defend self (was in jail). it was a woman putting in claims on him, who is now deceased. He doesn't know how to fix it. They garnish any money he gets. Is there a statute of limitation? 2) is your tax return refund protected? What age is one a senior? He is a senior at 65 correct? Thank you!

Yes we do as I have a bad credit score and my car insurance is through the roof

@HELPSNonprofitLawFirm

24 күн бұрын

As the video explains for some seniors with lower income the choice is between good credit and enough money for food, medicine, housing and other basics. Eric HELPS

That's good I didn't worry about it anyway

I'm 74 and disabled. I got 8 credit cards to get my score up to get a car. I haven't had running water since 2018 because water heater burst, no HVAC, no workable kitchen. I have someone coming to clean my home in a little over a week for over 2k. There goes my car. And still have a broken HVAC, mold, need a subfloor and water heater. Don't know what to do😢. I'll go to your HELPS to try and get an answer. I only get $1200 on SS. Interest is eating ne up on these cards but I'm 100% up to date. Ty for your advice. 🙏

@pattypierce8189

3 ай бұрын

What about low income housing ?

With people being allowed to not pay rent, I’d won’t be renting to anyone right now. We are about done with a rental out of pocket and I, in no hurry to finish it and rent it. Between material costs and renters not having to pay I can wait a few years. It doesn’t cost me anything sitting doing nothing.

True they can't touch Soc Sec or other pension payments, but they can go after other funds in the bank account. I am on SS, and I sell online to supplement that check, which falls far short of even paying the rent. They can seize that income, and if it goes into the same account with the SS, the bank will freeze all of it claiming that they can't distinguish which is which. Be careful before just walking away.

He kept saying "They're not going to be buying a home ". I'm 70, a disabled veteran, moved from Florida to Oregon last October. I AM buying a home, or wanting to, but prices are ridiculous. A quarter of a million bucks for a house that might have listed around $30,000 in 2004... it's out of reach. And the V.A. won't loan on a manufactured home. I'm now considering owner finance properties. I live on S.S. and a V.A. check, I can buy a house if they'd come back down to Earth with the pricing. Will a bank loan me on a mortgage at my age? I was under the assumption that they would. It seems that monthly automatic payments would give them some confidence.

@HELPSNonprofitLawFirm

2 жыл бұрын

These videos with Senior Living and HELPS are primarily directed to the nearly half of seniors in America over 65 who have incomes within 200% of the poverty line. I suspect your income is not that low. They retire owing more debt than ever before. Some statements are generalities and of course, there are always exceptions. I certainly don't want to dampen anyone's dream. The point of the video and its important to listen to the entire video is that many lower-income and poor seniors don't need good credit like when they are younger. That's because credit availability is difficult for lower-income and poor seniors even with excellent credit. Would any legitimate lender extend a loan to person with $500 payments if their income was $1200 even if they had perfect credit? There is no extra money after basic needs are met with which to make a payment. The video points out that it doesn't make sense to go without basic needs like food and medicine to maintain credit that isn't available. In some ways your reply kind of proves that point. There are areas of the country where housing is far less expensive where it might be far easier to obtain financing. Eric HELPS

my husband was in service and when he died he had quit alot of credit debt he died 2021 Feb . Lendmark decidedto put his debt on

If you experience an emergency as we all do such as mechanical problems with your car or your furnace, you better have good enough credit to get them fixed.

Y'all give such great information,.I'm disabled, have a service dog,. not quite 65. But I want to call..to see if you could give some answers.Enjoy ur videos. 🦋

@SeniorLivingOrg

Жыл бұрын

Thanks, Gayle! Please send an email to Jeff at help@seniorliving.org and he'll be sure to answer you. If you want him to call, include your phone number. Thanks again for watching our videos!

I was doing good on my. Credit and then I had a slip and fall, I have to used the money for my car and credit cards to spend on medical bills and Uber for therapy and doctors appointments 3 times a week and Costco (where I suffered the slip and fall) did NOT pay a cent for my medical bills. I was 79 years old at that time . Lawyers failed on handling my case. They had my case for 1 1/2 years and dropped it. Now pandemic came and no lawyer will take my case for offices were closed. Too many surgeries until now I’m suffering from ache and pain I don’t have money to pay doctors. Five months ago I suffered a stroke because of no immobilizations afraid of falling down again. I’m allergic to pain killer. I need help.

@HELPSNonprofitLawFirm

3 жыл бұрын

Here is a video from Senior Living that may help: kzread.info/dash/bejne/d2Sl0sWDk7SvYbw.html

I only have ssi. I was taken by ambulance to a hospital. One of the doctor's failed to file his bill with medicare and supplemental ins, he attached my SSI and took it before I ever knew.

@SeniorLivingOrg

3 жыл бұрын

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

@HELPSNonprofitLawFirm

3 жыл бұрын

SSI is a form of Social Security and cannot be garnished. Twice the amount of SSI deposited into a bank account is protected from garnishment by your bank under federal banking regulations. Even if the money was in a different account a challenge of garnishment could have been filed showing the money came from SSI and the court would have ordered the money released. Eric HELPS

This is great video! My parents are 83 and 75 years old. They were charged $1400 when they moved out of their apartment after living there for 6 months. Yes, for 6 months they charged $1400 + $200 deposit. Reason for the charge was two or three scratches on the wood floor and they replaced whole floor on the unit. The apartment wasn't even a luxurious apartment. It was so upsetting. Now my parents are getting bill from debt collectors. My question, do my parents have to pay the debt collector? My parents live off of SS.

@HELPSNonprofitLawFirm

5 ай бұрын

If your parents are on Social Security or other retirement income, their income is protected, they don't have to pay their debt. They can use their Social Security for their needs. Eric HELPS

@wonanimal4528

5 ай бұрын

@@HELPSNonprofitLawFirm Thanks for the reply. My parents are worried if they might get sued.

@SeniorLivingOrg

4 ай бұрын

You can watch kzread.info/dash/bejne/Y52Lpsd6qc2xpaQ.html

Garnishments for past child support can be taken

I'm unfamiliar with the current law - but it may be that social security can be docked for student loans

@HELPSNonprofitLawFirm

2 жыл бұрын

Senior Living has a video with HELPS on this topic explaining how lower-income seniors can get on an income-based repayment plan for a past due student loan. Eric HELPS

I am a senior. I applied to get a home, and obtain another credit. In both cases I was denied because of inquiries, and income to debt issue. In all cases to include trying to get a loan to consolidate. So, as a Senior, how do I get new accounts? Credit history is exceptional.

@jimpatterson3286

3 жыл бұрын

Good credit is just about how well you pay your bills. Sounds to me like the problem is income to debt. You pay your bills but you can't afford any more debt. A consolidation loan is looked at like the last step before bankruptcy. Every time you pull your credit history that is an inquiry. I would say your biggest obstacle right now is income to debt ratio.

WallMart. 29 percent

Since I no longer borrow money I don't worry too much about credit scores.

Problem is auto insurance and qualifying to rent a lot base their decision on your credit score. Amount charged for insurance part of its charging amount is based on the credit score. How can you deal with that? Thank you, so appreciate all your time and care.

@HELPSNonprofitLawFirm

5 ай бұрын

First HELPS has a program free for our clients called 7 steps to a 720 credit score for seniors. Credit can be reestablished, easier than one might think. Not all seniors are worried about their credit. Many are more worried about enough money for food, medicine and heat. More than a few states don't allow credit to affect insurance rates. I believe this video addresses both rent and credit and also insurance. Listen to the entire video. Eric HELPS

I am 70 years old and still working full time like i am 40, so retirement is not in my future

@sleepingrabbit4011

3 жыл бұрын

I work at a home Depot and many of the senior citizens work full-time because it keeps them fit and healthy and can't get themselves to retire even though they can afford it! I'm in my early 50s and I'm already thinking of retirement and can't wrap my head around working full-time job at that age but I have to admit they look amazing and I myself can't keep up with most of them have the time!!

@cherannretiredgran68

2 жыл бұрын

That's wonderful!

@toad4ever103

2 жыл бұрын

That's really sad. You should be relaxing and enjoying yourself.

Social security benefits can be garnished to pay student loan debt

@HELPSNonprofitLawFirm

2 жыл бұрын

Set off of 15% of SS for past due student loans is currently stayed under Covid and the extension will continue until April 2022. Also lower-income seniors can qualify for income based repayment for past due student loans and often pay zero dollars per month. Here is a video from Senior Living explaining this: kzread.info/dash/bejne/gnlow5mokdvJYag.html

Hi, I am so glad I scrolled and stopped on this video. Yes, we worry about our credit scores. We don't have enough to pay bills on time. So, our credit rating is in the mid 500's. We tried to refinance our mortgage buy were denied by our bank because we were late twice on our mortgage payments last year. We owe $39,200 on our mortgage but our bank raised the payment to 1067.+ last year. That's the main reason we can't make ends meet. But, last year, we asked our bank if we could defer 2 months on our mortgage. They approved it but they turned around and reported us late to the credit bureaus. What can we do?

@SeniorLivingOrg

2 жыл бұрын

Contact the HELPS Nonprofit Law Firm, call 1-855-435-7787

IF we don't have to worry about our credit than why was I turned down for a car that I need badly.A drunk hit me head on and totalled my brand new car a year ago,now I can't replace it

@HELPSNonprofitLawFirm

3 жыл бұрын

As the video explains a senior could have very good credit and be turned down because their income is insufficient to make a car payment. If you had good credit and were turned down then you are an example why good credit for lower-income and poor seniors often doesn't help. For seniors with minimal income sacrificing basic needs like food and medicine, etc. in an attempt to preserve credit that they won't be granted is not a good idea. For lower-income seniors, there are often better options for transportation than a car payment they can't afford. Senior Living and HELPS have a new video on seniors and affordable transportation Eric HELPS

@garyhaley3072

2 жыл бұрын

Did they not have insurance & if not you're insurance should have kicked in.

@Catchmyvib2

10 ай бұрын

That’s what GAP insurance is for .

Many seniors have Zero Debt and Zero Credit. They live off of their Debit Card/Bank Account.

Seniors are preyed upon. It's called predatory lending. Let's not forget about the Ponzy scheme and how many seniors have had their homes stolen. What can you do to help these people? Drove my relative into $25K debt and stole a $325K property, clear title, after losing spouse.. Not paying the CC debt but need the property back. Can you help?

Thank you so much for this--and other!--enlightening talks. I'm breathing easier with less tension already! I've learned some surprising things in recent days! I'll be calling you later once I'm clearer where I need Your direct help. God bless you for offering a kind of help which seems hard to find!

I want to buy

I'm shocked at the info that has been given. I use a credit card to pay bills and buy groceries that give good rewards. I pay it off every month to avoid finance charges.

@ericolsen2141

2 жыл бұрын

The videos says nothing about using a credit card and paying it off every month.

Is this true for/in Canada?

I disagree. The balance between paying your debts and paying your current expenses is the same at any age. Seniors may have more exemptions and less need for credit, but they usually have more to lose.

@HELPSNonprofitLawFirm

3 жыл бұрын

Not sure if you listened to the video. Lower-income seniors have limited income. Say for example $1500 per month in Social Security after the husband died. $20k in credit card and other debt would require at least $500 in monthly payments to maintain good credit. Mom simply doesn't have enough money to maintain payments without sacrificing basic needs. She can't afford a car payment. For exactly what reason does she need to keep making these payments to have good credit? Eric HELPS

@retthok

10 ай бұрын

@@HELPSNonprofitLawFirm Let's think a little out of the box here. Let's say "Mom" does have some money set aside, about $40,000. With the numbers presented in your example, would you recommend she still walk away from her debt or pay it off?

I get dinged on my credit scores because I pay off my credit cards every month. I put expenses, food, car repairs, etc for cash back. My income is $2200.00, I paid off $13,750.00 in a year (HOA assessment) and 450.00 HOA, no other bills, ( other than car ins, senior rate property tax, etc ), and I still get lowered because no revolving acct. 0 on 3 cards, 2 cash back, 2 credit unions-- go figure.

I simply wrote to the 4 UK credit agencies and demanded they delete all they have about me as they for offending my right to privacy under UK law. Today I don't have a credit score. I have no debts either and that suits me fine.

Wow, that guy was blunt.

There is a moral issue that's not being considered. If someone stiffs their creditors - as a karma thing - it makes the senior's life stressful and unenjoyable.

@HELPSNonprofitLawFirm

2 жыл бұрын

You might want to look at some other videos in Senior Living with HELPS and read some of the replies. The seniors HELPS works with are by and large low income and poor. For many, the choice is between medicine and enough food and paying an old credit card debt. Not worrying about having enough money to buy a prescription is less stressful than not paying a debt you can't afford to pay. There are reasons why lawmakers protect seniors' income. Seniors don't take undue advantage, as a rule, they would definitely prefer to pay their creditors. Many simply aren't able. Eric HELPS

@realpropertymangement7640

11 ай бұрын

So does not eating, skipping meds and not having a roof over your head. But I suppose making sure the banks can pay those huge bonuses, even after being bailed out by us, the taxpayers, should be a senior's priority! I mean, those poor Bankers might not be able to afford that second home in the Hamptons, otherwise. I shudder to think! 🙄

@qso3566

11 ай бұрын

@mccleanblades BALONEY! Seniors should be able to live their last years on earth with a degree of peace and contentment, which means having good physical and emotional health, a safe & clean home, food to eat, plenty of supplies, good transportation, etc. it does NOT mean worrying about "karma" because they're not making monthly payments to all the corrupt & greedy banks and lenders and credit card companies that are ripping off good people with obscene double-digit interest rates!

@qso3566

11 ай бұрын

@@realpropertymangement7640 Well said!

Hi great video,question,can a collection agency put a lien on your house for not paying on a repo loan,thanks in advance.

@ericolsen2141

2 жыл бұрын

Actually its not that common for senors to get sued for a deficiency from a repossession. Senior Living has a video that talks about homes and liens here: kzread.info/dash/bejne/Z396lNekoc_Wm84.html Eric HELPS

You don't have to worry about it cause they cut off your credit when you turn 75 and they say you don't have enough time to pay it back etc work all your life just to have it cut off anyway

@HELPSNonprofitLawFirm

3 жыл бұрын

Not true. Eric HELPS

@donnacastel3568

3 жыл бұрын

I am 73&just bought my 1st house. It is against the law to NOT SELL due to. Age.. I have family who live with me . According to the law they can take over that loan as long as they will be living in the house at the same rate of interest. I looked into it. That is why I bought the house.

@toad4ever103

2 жыл бұрын

I sure hope you're wrong.

Is a L&I pension that originally went to your spouse then was transferred to you when your spouse died also protected? On a different note -- I am a senior with good credit and I need to replace my old furnace because it literally breaks down every single winter for the last 8 years and along with getting a new furnace, I also want to have a heat pump installed. I got three quotes and all were between $15,000 and $16,000 which I do not have. I applied for a personal loan and I was approved BECAUSE I have good credit. So yes, sometimes there is a good reason to try to keep good credit.

WHAT ABOUT SSI PAYMENTS?

What is considered "senior" regarding bank garnishment/judgment from creditors?

@HELPSNonprofitLawFirm

3 жыл бұрын

These laws apply to the income a person receives Social Security and pensions, regardless of age. Other Senior Living videos with HELPS describe this protection in more detail. Eric HELPS

So how do you get that letter he spoke about that explains your SS is protected to show a prospective landlord.

Curious, what about landlords requiring 4 times the amount of rent in income,this is many landlords in my area,I'm on disability,so is my fiance,but we can't find an apartment we can afford.All the affordable ones ask for 3 to 4 times the amount of rent PLUS first,last ,deposit,pet deposit plus 50 a month per pet.But credit is mid ok.I live in NYS

@HELPSNonprofitLawFirm

3 жыл бұрын

Often rent is supply and demand. If there is limited supply and higher demand, landlords can increase requirements. Eric HELPS

Follow up.....if i wait til i retire is it easier to shirk past debt?

@SeniorLivingOrg

8 күн бұрын

That depends on many factors including your income sources and savings.