I owe ,500 to Revenue Canada. I am currently on Disability. Someone from Revenue Canada called me up to boss me to pay the outstanding balance. I told him that I am on Disability and could not afford to pay it. I suggested that we settle the balance at a lower amount that I could afford and he said that no one can settle their outstanding debt for less with Revenuer Canada. Is this true?

Also, can he put a garnish on my bank account for the amount owing eventhough i am on disability?

Thanx!!!

Technorati Tags: boss, disability, garnish, revenue canada, revenuer

I was able to get one credit card a while back soon thereafter filing and kept paying off the balance each month. Recently put on permanent disability so my income is set and very limited so I can only pay X amount each month and now have found myself at the cards limit beacause the interest rate is so astronomical that any payments I make only about goes to prinicipal. I’ve applied for other cards that offer 0% for a year hoping to be able to transfer my balance so the payments might actually make a dent. Unfortunately every application has come back denied due to (1) insufficient income and (2) filed bankruptcy in 2000. This sucks and I feel totally screwed and stuck, any feasible ideas would be much appreciated.

Technorati Tags: bankruptcy, cards, credit card, disability, feasible ideas, interest rate

My sister has been on SSI ( social security income ) due to a disability for a few years. She got 3judgmentsered judgments against her from creditors ( about $ 10,000), she has no way to pay now. I advised her to file chapter 7 bankruptcy to wipe out this debt, Is it legal to file for chapter 7 bankruptcy in this case ?
Thanks for help

Technorati Tags: case thanks, chapter 7 bankruptcy, creditors, disability, judgments, social security, social security income, ssi

But I’m on disability social security. Can I still file for bankruptcy, I don’t have anything to liquidate?

Technorati Tags: bankruptcy, disability, social security

Over the past few years, my husband and I have had several financial setbacks. First, he had a severe heart attack which left him unable to return to full time work. Because we were very proud, and I had a good job, we chose not to file for disability for him. Then, I lost my job…. Because of his health, I signed up for Cobra, thinking I’d only be out of work for a few months at most. The monthly payments were 0 more than my unemployment benefits! What little savings we had were eaten up, and then I started charging the Cobra payments. With the credit cards maxed, I was forced to give up Cobra. To top it all off, our ARM skyrocketed last year, and we ended up losing the house. Thankfully, we were able to do a short sale, so we at least didn’t have to foreclose. I am working again, but have no benefits. He suffered Congestive Heart Failure this spring, and now is receiving disability pay. We get our medical services through a community clinic, but make too much to qualify for free services, and of course his lab work is sent to the local hospital which offers no discount. So, we have approximately ,000 in unsecured debt, with a combined income of about ,000. About 15K is credit card, and the rest is medical. We get conflicting advice on how to get out of this mess – bankruptcy or credit counseling?

Technorati Tags: bankruptcy, cobra, congestive heart failure, credit card, credit cards, credit counseling, disability, financial setbacks, full time work, good job, health, heart attack, heart failure, local hospital, medical services, unemployment benefits, unsecured debt

We are deeplly indebt because of loss of income and medical bills. We are both on disability now and we cannot pay all these bills.
Will we benefit from filing bankruptcy? What are the drawbacks?

Technorati Tags: disability, filing bankruptcy, medical bills

I am in a pickle, got served summons for unsecured credit debt, 6700.00, i am seeing an attorney wed to file chapter 7, no other choice! After i file, can a judge then request my bank statements? Reason asking, is i am receiving ssi (for real disability) and my spouse did not have his own checking account and i have been depositing his unemployment checks in mine for like 3 YEARS!

Technorati Tags: 3 years, bank statements, chapter 7, checking account, credit debt, disability, pickle, ssi, summons, unemployment checks, unsecured credit

Back in June I was terminated from my job due to my epilepsy, I hold nothing against the company as they did all that they could with an ADA accomodation, however my seizures caused me to miss to much work. I ended up getting approved for disability, being considered permanently disabled and now make 950 dollars a month, which is my only income. The loss of income forced me to drop out of college and now I have 70,000 in student loan debt coming due. I have been getting constantly contacted by different collectors and attorneys regarding many of my debts, 3 credit cards, totaling about 1,000 dollars, my pickup was repossessed in June and they are trying to collect the final 1500 dollars that they could not get from selling it, which is now being handled by an attorney threatening litigation. I also owe on a large number of medical bills, 6,000 owed for a balance with snap on tools, which the toolbox was stolen so I cannot return it, and many old debts that are beyond the states statute.

The only asset I have is my motorcycle worth 5,000 dollars as I have lost everything else and rent my home. Basically when comparing all of my liabilities to my income and my assets, I am insolvent and from what I have been able to find out basically "judgement proof"

I cannot decide if I should file for bankruptcy to try to get a fresh start since there is no way I will ever be able to get these debts paid down. I do know that there is the possibility of my student loans being discharged due to disability. I don’t really want to file but I am starting to think that either I will have to, or just keep putting up with many of the phone calls and send cease and decist letters to the ones beyond statutes. Does anyone have any suggestions on this?
I have already spoken with Sallie Mae in regards to my student loan debts, and they did advise me that I am in the rare circumstance where the loans can be forgiven.

As far as the motorcycle goes, it is my life, although I do not drive currently, as i know better, I don’t need to put other people at risk or myself, but the motorcycle is the one thing I refuse to get rid of, as it took me a long time to be able to purchase it, and it is more important to me than anything, including my own life. This may sound crazy, but my motorcycle got me through alot of times when I was depressed. Even my therapist and my doctors all say not to get rid of it since it is all that I have. As far as my debts do go, not including the student loans I am sure that I have over a total of 0,000 in debt as I had to have brain surgery 2 years ago and still owe for that along with a large number of epilepsy specialist visits. I have spoken with an attorney in the past and they have said I do have enough
As far as student loans being bankruptcy proof, I am well aware that they are in most circumstances, but there are circumstances such as being totally and permanently disabled, which by their definition means for a period of 60 consecutive months. I am certain that I will not be working for that long as we have had no luck in controlling my epilepsy so far. Many of the legalities on that I am aware of as I was majoring in accounting, and was only a couple of classes shy of graduating when I was forced to quit
Yes, that is correct, I am sorry my wording was off on that, while bankruptcy itself does not get rid of them, certain circumstances do permit the discharge of them, such as total and permanent disability. i have spoken with them and they are currently on deferment for hardship while everything goes through. It isn’t actually the bankruptcy itself that gets rid of them, but filing for discharge. I would definitely prefer to pay them off however, but with the cost of my medication each month actually being double what I receive in income and with medicaid refusing to cover them due to stating that they are not a preferred medication and refuse it even with requests from an epileptologist, I have no choice but to pay for them out of pocket until I can get approved for patient assistance. I am also in the process of working with vocational rehab to try to get me through school so that I can get a desk job as I am so limited on work that the only ones that I am able to do physically ar

Technorati Tags: accomodation, ada, bankruptcy, credit cards, debts, disability, epilepsy, fresh start, judgement proof, liabilities, litigation, medical bills, motorcycle, phone calls, rare circumstance, sallie mae, seizures, snap on tools, student loan debt, student loans

Eight months ago, I was diagnosed with deteriorating spinal disks. As painful and debilitating as my current condition is, I know it will only worsen with time. I applied for disability and was denied. I would like to appeal, but I think I may need some legal representation. How do I go about finding someone who will work in my best interests without completely bankrupting me? I can use all the advice I can get in this matter. Preferably from people with similar circumstances or experiences. I was told by the Social Security Administration that my condition is not severe enough to prevent me from working. But I know that I can barely stand long enough to wash one meal’s worth of dishes before having to sit back down for at least half an hour, and thereafter having to take longer and more frequent breaks. They say that, with my work experience, I could get an office-type job, which requires more sitting than standing. But I know that I can only sit in certain positions for mere moments before the pain requires me to re-position, often to a more horizontal position. Sitting in a chair is usually more painful for me than standing. So, if anyone has any useful information or tips for me, I’m all ears!!

Technorati Tags: all ears, circumstances, current condition, disability, dishes, eight months, experiences, frequent breaks, half an hour, horizontal position, job, legal representation, social security, social security administration, work experience

After credit counseling filing chapter 7 has been recommended since I am on disability and working only part time. Problem is attorneys I’ve contacted want 00, 500 upfront before they’ll even submit the paperwork. Obviously I do not have this. Legal aid is not available in my county or city for bankruptcy. Can I just get the paperwork from the clerk of courts and do it myself?

Technorati Tags: attorneys, bankruptcy, clerk of courts, credit counseling, disability, filing chapter 7, legal aid, paperwork, part time, time problem, upfront

I have been placed on SS Disability and cannot afford my mortgage. I would like to move south. If I pull my 401k I can get a house real cheap. Then I would like to file bankruptcy on my house here. I would not like to be homeless for a few months. I still have decent credit for now but the funds are going to start dropping quick. Anyone have Ideas on how to do this?

Technorati Tags: 401k, bankruptcy, disability, mortgage, ss

After recovering from being very ill, I’ve got 40K in credit card debt spread over 4 credit card companies. I’m better now but no longer able to work.

I’ve got 18K in cash and receive just enough disability to pay my basic living expenses. I’d like to settle my outstanding cc debts with the 18K or less rather than file bankruptcy.

Am I dreaming to think all the credit card companies would agree to split up the 18K appropriately and agree to all debts settled in full?

If not a dream, how best to make this happen? Should I hire one of the firms I see advertised on TV out of the 18K or is there a way I could just do this myself?

Technorati Tags: bankruptcy, credit card companies, credit card debt, debts, disability, living expenses

First they broke the Heppa Law, showed me my parents accts, in a private office on a computer.2nd,I filed for perm disability,they were to stop my automatic transfer of funds to a savings(you cant have a savings going through filing)the bank did not took them 6 mo. I went without an income due to there error.3rd, this caused my credit card accts to fall behind, I could’nt get caught up4th I started a re-fi with Wells Fargo ( my house is with them)I had a 785 Fico at this time.Long story they backed out,after stating I had the re-fi no problem I have the paperwork to prove this.I now have a judgment from a credit card co,my income went from 65,000 to 12000 a yr.I now have to pay to go bankrupt so I do’nt loose my house which is paid off in 7 yrs.

Technorati Tags: card co, credit card, disability, fi, fico, heppa law, judgment, paperwork, parents, private office, wells fargo

I am currently in a financial mess because I’ve gone on disability from my job (long term.) Now I’ve discovered that my student loans (which were being garnished) are not fully paid. I had previously thought they were finally paid off because the garnishments ended, but I found out today that I still owe the US Dept. of Education over ,000. I found this out because my tax refund went directly to them.

If I file for bankruptcy, does this void my student loans? I have been told by some that it does not.

Technorati Tags: bankruptcy, dept of education, disability, financial mess, garnishments, job, student loans, tax refund, us dept of education

My daughter was seriously burned and nearly died. She is having numerous surgeries. Now, she is having a reconstruction of her windpipe. She was taken off medicaid because her twins turned 18. She applied for Disability and was turned down. We got a lawyer and were told on April 5 that a determination had been made but it was under review and we would know on April 14. When I called (my daughter cannot speak), we were told that her husband had to send in pay stubs from June 09 to March 10 and we would hear in 15 days. Meantime, the hospital wants to know who is paying for the surgery? I am putting out 0 a week and I am ill and can only work part time ( I was paralyzed with Guilliane-Barre last year.)I am going bankrupt. Why are they stalling when this is a life or death matter? Is there any suggestions that I can do?
Why did they say that a determination had been made and that it was under review and we would have an answer by April 14. They lied. Then wanted more information that they should have gotten before.
If my daughter had money to put out for medicine and surgeries, she would not be asking for SSI. She has no money at all. Without her medicine she dies
I think that Social Security is stalling because the think she will die and they will not have to pay,

Technorati Tags: april 14, death matter, disability, lawyer, medicaid, medicine, money, part time, pay stubs, reconstruction, social security, ssi, surgeries, twins, windpipe

Can the credit card companies get my disability money like they garnish wages?
Will my credit clear-up in 6 year if I don’t file bankruptcy?
It has been 15 months since I have charged anything on any credit card account.It has been 12 months since I have paid on any of my credit card debt. It is well over 10 times the reported national average. My life situation changed dramatically. My old job was great money and I would be back in it in a heart-beat , if I could. Income from disability doesn’t cover the unsecured debt I have.
I hope to heal and someday go back to work; however, what looks worse a bankruptcy or bad credit? I need advice that will help pull my life together in a way that I can return to the mainstream without some creditor popping up to sabotage my attempts to become productive again. (next time without credit cards- I have made it a year and I am determined to go longer even though the idiots keep sending cards(with hugh credit lines) in the mail.

Technorati Tags: 12 months, 15 months, attempts, bad credit, bankruptcy, credit card account, credit card companies, credit card debt, credit cards, creditor, disability, heart, life situation, mail, mainstream, money, old job, sending cards, unsecured debt, wages

Ok, I will take the blame for my credit problems. But over the past year I’ve been hospitalized several times and the combination of both credit card bills and hospital bills have accumulated quite a bit of debt. I work a job which is straight commission and because of the bad economy on top of the fact that I recently took a leave of absence from work and am collecting temporary disability I currently have about 50 dollars to my name.
I’m in a serious relationship now and want to straighten thisw mess up but I don’t have any money for a lawyer.
My question is should I file for bankruptcy? How do I file? Should I get a lawyer if I don’t have any money or should i represent myself?

Technorati Tags: absence from work, credit card bills, disability, economy, hospital bills, job, lawyer, leave of absence, money, serious relationship, several times, should i file for bankruptcy, straight commission

I have worked with consumer credit counseling for over a year now and I currently was paying over ,500.00 a month to cover bills, unfortunately my husband is off work and will be for some time because of a work injury which workers’ comp denied. He is scheduled for 2 surgeries and I am seeking some form of disability. I will be down to one income, I have four children, I am thinking about doing debt settlement since we owe K and I am the only one working with no other income coming in, please advise me if these programs work, I cannot file bankruptcy. Please help me.

Technorati Tags: bankruptcy, consumer credit counseling, Debt Settlement, disability, surgeries

After trying to find ways to be able to take care of our responsibilities we have come to the last resort and that is to file bankruptcy. We don’t own any homes or any real property. what I am curious about is which is better chapter 7 or chapter 13. We want to be able to start saving a soon as it done and when feesible start rebuilding credit. Our credit card debt is only 00 which is a lot, but it could be worse. We just had two bad years with this one being the worse. I am looking for advice on the best way to go between the two. Chapter 7 or Chapter 13 and why.

We are not happy about doing this as we have tried everything. We don’t have anything of value and we have tried to pawn stuff but couldn’t get .00 for most. We live very modestly. So please do not answer this question if you are going to be negative.

Thank you so much. We want to do the right thing so we can start over and never have to do this again.
Thank you so much for all that has given advice so far. I guess I need to add just a few details to make the situation clearer.

As I stated it has been a bad 2 years, actually almost 3 years. I got real sick and had to leave my job and am now on disability. My husband took on a second job a year ago. He pays child support. Between the two of us we have 5 kids between the ages of 9-16. We have two vehicles, which one is in the shop. We also are surrendering this vehicle.
We have an attorney and he is recommending chapter 13. I (we) have a lot of medical bills. After I had to leave my job I couldn’t afford the cobra payments for continued health insurance. To maintain health insurance with my husbands employment (state worker) would have cost more than the cobra payments.
My ex- husband filed bankruptcy and I did not know that anything he had when we were together, came back to me.
I never thought I would get sick and have to quit work. I was not prepared.

Technorati Tags: 3 years, bankruptcy, chapter 13, chapter 7, child support, cobra, credit card debt, disability, do the right thing, employment state, health insurance, insurance, last resort, medical bills, pawn, rebuilding credit, second job, state worker

My father in law is almost 70, he and his wife do not work live on social security and disability they have the house they live in and a rental property. He supposedly co-signed on a car that my sister in law did not pay for and they are calling him and harrassing him to pay it and he cannot afford to pay it, he wants to file bankruptcy on the car can he do that and still keep both his houses?

Technorati Tags: bankruptcy, disability, father in law, rental property, sister in law, social security

I was ripped off by my finacial advisor, and a caregiver, now I owe a few credit card companies. I want to clear my debts in full (or settle). Will I damage my good credit if I negotiate a settlement? What can I do? I qualify for medical hardship, these debts accurred over a couples years, due to becoming paralyzed and permanetly wheelchair bound. I do not receive disability, but am retied with pension. Will a police report help or be needed? Thanks.

Technorati Tags: caregiver, couples, credit card companies, debts, disability, finacial advisor, medical hardship, police report, wheelchair

My fiance recently got his credit report and has about ,000 in debt that he was unaware of. He’s been drawing disability for several years and has medicaid and medicare. The majority of his debt is medical bills that he thought the insurance paid for, but obviously it didn’t. About ,000 of it is basically identity theft. His former roommate opened up two accounts in his name and ran the bills up. We know he did it, but we have no way to contact that person. Well, my fiance decided his only way out of this is to file bankruptcy. However, he doesn’t have enough money to get a lawyer. Would he just totally be screwed if he filed himself? He doesn’t have any assets. No car. He rents his house. So, I’m assuming it wouldn’t be as complicated as it would be for someone with assets. However, I’m sure it’s no easy task either. Yes, I’ve heard the saying that if you represent yourself, you have a fool for a lawyer or whatever.. but we just don’t know what else to do. We have to get this taken care of before they start getting his pay check. He just started working again and isn’t drawing disability anymore so we’re really tight on money. Is there any way a lawyer could help him file bankruptcy and then we just pay the lawyer payments? I’m sure that seems pretty contradicting, but we could afford payments for the lawyer if we didn’t have all this other crap that we’re paying on.

Technorati Tags: assets, bankruptcy, credit report, disability, enough money, fiance, fool, identity theft, insurance, lawyer, medicaid, medical bills, medicare, other crap, roommate