The government is taking my child support payments

LIAR!

😊😊😊😊😊😊😊

@@user-qr6sd6hj7l - they'll take whatever you have! He's not up on the facts of life out here in the real world.

Banks are freezing my account. I am on SS and only get 1300 a month anyway. They made it illegal to get a SS hard copy check, so they have total control and there is nothing you can do about it. I am not the only one going through this. Atop lying to people.

True, but I think it would be true no matter the line is drawn.

So true...I m always told..$15 over,grrrrrrr

Right….but today 2024 Illegals get FREE EVERYTHING, ITS WRONG!!!

@@SeniorLivingOrg Just found you & have a few thousand words. Yes, the poverty line for aid may change (also depends on the state if state aid), but the line hardly reflects cost of living! Not to mention it changes by minuscule amounts each year. No matter how hard you try to get back to productive society, the system is designed to keep you down. And please no preaching- I worked since I was 13, went to university full time while holding down a full time job and graduated Summa cum Laude. Between my husband & myself we had 6 figure income. A wonderful life until the Great Recession of 2008. The IT pros went first ( me). Oh… and lost my entire 401k. Then my husband suffered a massive MI where he could no longer work. Income went from 6 figures to 0. Parents were elderly & being the only able-bodied child, any job hunting was derailed to become caregiver for husband & parents. All creditors I took care of years ago. Even had to go to our State’s AG for resolution on some, so know many (not to presume all) all the creditor procedures to call off the dogs. However, NOTHING compared to how BOA took us to point of being destitute until the thieves were paid off years later. In fact, We won the Class Action lawsuit brought against them & Countrywide, but they put proceeds at end of loan. We never saw a penny. That was BS. We had no car payment, no credit cards since our credit was by now in single digits thanks to BOA lawlessness. The refinance & forbearance plans were both a huge fail and cannot express how detrimental to finances those were. Your creditworthiness & credit risk would fare better with Bankruptcy. The stress on my husband (already at stage 3 HF), on myself, & even my parents was such that I wish I could have sued them not only for our court awarded proceeds they ended up keeping, but moreover the pain & suffering. Caring for elderly family members broke my health physically & emotionally, putting me on disability. At 52, you can imagine that reduced sum. My dad was a WWII & I had to fight like hell to get him just VA Rx benefits. And a free grave marker.. kinda insulting. I am now 64, my husband passed in 2020 at 73, my Dad in 2010, and mother passed 2 weeks ago at 99. You just mentioned life insurance. THAT was a trigger! I respectfully call BS! My mother had a spending addiction (that even I couldn’t cover to help Dad). She cancelled both hers & my elderly mentally disabled (from birth) brother’s life insurance to have that extra money. Plus she took a loan on my brother’s policy! So I am now struggling to survive for not just myself, but now must figure out how to pay to inter both my brother’s (who passed 6 months before mother) & mother’s cremains! My dad had planned & purchased 5 full burial plots in FL in the 70’s, including now outdated (they tell me) vault/casket combo. Of the 5, 2 are now taken, with only my grandmother being interred in a casket & vault. My Dad was cremated. Nevertheless, to inter the cremains for my brother & mother, the cemetery wants ~$3500 or more to dig ONE hole (need 2) - something I could do myself with a post hole digger! Forget receiving any credit back on the remaining unused plots. I don’t want to go thru the hassle to sell them myself. I have enough on my plate & doubt they would sell anyway. When my husband passed in 2020, there was still a mortgage, but because there was no able body or funds to maintain the home for so many years (lovely old rock house), it wasn’t habitable. It sat on 15 acres & I sold it just as the land. Received enough to get out from under the mortgage. Look-I took financial management courses in grad school, but it still doesn’t prepare you for having the financial rug pulled out through total loss of your retirement savings & your career, not to mention the deceitful lenders who then turn into predatory vultures on steroids. Especially when you are at rock bottom & suffer the embarrassment & shame both you yourself and society places on you. So dehumanizing. Today, some 4 years after my husband passed, my credit score has only made the ‘good’ category. And I’ve been struggling to increase that since he passed. Even so, my credit is frozen & will stay that way. Tho I could use a small personal loan, my income is a killer. Been trying for years to find employment I can do, but even in the land of old ppl, no one wants to hire a senior, not to mention one with a huge gap in their employment history (caregiving doesn’t count). I did do rideshare during COVID years, but after having a gun pointed at me & being used as a drug mule, I shut that sh$t down! In short, I am no malingerer. I now live in an older RV on what was my property, but the new owner is now finished restoring the house into an AirBnB. I have a month left at best. I pay my way-The utility is still in my name & I pay it - even tho the RV uses 5% of what the house uses. I consider it a sort of lot rent. Plus I look over the property or whatever he needs of contractors since he doesn’t live near here. And no- I do NOT live in the house… it is no longer mine. What the future brings I have no idea. Maybe head west, who knows. I must impart fair warning to all who think they have it all planned out: barring generational wealth, you too can find yourselves on that slippery slope. I pray you don’t. For me, to climb back without any family support is a challenge. But I am stubborn; I refuse to backslide to the muddy pit of no return. At least I pray I don’t. Some of this may be off topic of this video, but hearing of what can & should be done, I felt compelled to expose that it doesn’t always work. Through no fault of our own. The best laid plans and all that. **However, my brother-in-law’s exact same advice to my mother (unknown to me) to drop life insurance has really put my financial security further in danger. He even advised ME to cancel my Life Insurance! That’ll be a big H$ll no! Tho no family is left, I don’t feel like having my ashes co-mingled in the pauper’s section! Nope-I’m keeping my insurance, if only for animal charity, with enough so I will have somewhere as a final resting place. So not sure the circumstances the advice was given to cancel Life Insurance, but for many - and the survivors-Rethink that Life Insurance! That’s my experience, anyway. Sorry-I know much is off topic from the subject of your video. Just know that one -or ten- solutions does not fit all.

I just lost so much money from a scammer. He said he was in iol rig and there was an explosion on the rig he couldn't touch his money in United States. He said he was in a contract in Poland. I have a picture of his passport. But I can't find him he's from Africa I feel so stupid OK I gave him my money

@@milagrosarce5407 It could happen to anybody. They prey on your good nature. Now you'll know better.

Especially when they call you and claim to be an affiliate of Microsoft and that your computer has been compromised and you only have to pay them $500 dollars so they can fix it remotely. 🥴

AND THEY JUST CONTINUE,TO SCAM , LIKE IT IS THEIR JOB , AND IT SEEMS LIKE ITS OK , HOW SCREWED UP IS THAT.

@@milagrosarce5407 Well if you let it ever happen again , then shame on you , many habe been scammed , do not trust anyone especially on this modern tech internet

I am on a pension and couldn't afford to pay my ever expanding credit card payments, I called a consolidation place after the card holders wouldn't work with me, they said "don't pay them, it is not considered an income so they can't do anything about it" so that's what I did, they kept lowering the payments over time, now I hear nothing, still have my pension! PS, I didn't have anything for them to take, like a home /property!

@@lesliehenderson7866That’s the first time I’ve heard of a debt consolidation company sharing this information. You got ahold of a good company.

We wish you the best.

@@SeniorLivingOrg Hang in there! There is always help and support out there if you look!

You dont have friends then. Time to expand your circle. Ultimately, trust in Christ for salvation eternal

@@annettecantu3826 Difficult to find real friends who aren't out to use-you-and-discard-you...yes, even at church. What was it that Pres. Ronald Reagan said: "Trust but verify." Sorry to be so blunt, but it is a seldom-spoken truth. True friendship is becoming a thing of the past. That being said, thanks, Jeff, for this excellent, eye-opening presentation. I've subscribed because I understand it is up to ME, not people I know, to help myself find help when I need it.

I guess you don't have much leeway, but I hope you can manage. Things are really tough right now. Hopefully it will get a bit easier.

Could you give the name of the burial insurance company? At 69, I think its time I looked into that.

I don’t need internet where I’m living now ~ but before I moved I got a discount with AT&T and paid only $10 per month. If you get a side hustle you may be able to write off a lot of your expenses related to your business. Like phone / internet / partial deduct for space in your home use as a office / etc Hope this helps 🙂💜

Julia: Healthcare providers say women ought to prepare to live to be 100 because many are, and healthcare providers can't predict who will. Most commonly, people get 3 years of warning about dying. Bodies tend to have 3 years of noticeably declining health as they are dying. Most have their biggest medical expenses during those last 3 years. How will $5000 pay for your burial? Do you already own a plot? Do you actually know how much your burial will cost in the future? Can you buy a burial with monthly payments locally and then OWN a burial? When do you lose your insurance due to a missed payment? Do you lose everything paid in if you miss 1 payment or 3 or what? Are you really only paying for a feeling ? I am told cremation costs $1000. How much does a casket cost? How much does a plot cost? In our area, even a resale plot costs $4000. That is when people retire out of State and buy a new plot there and want to recover something from the older plot. Have you explored homesteading your home, so it cannot be taken away from you? Have you applied for 'energy assistance'? That can pay hundreds of dollars of your annual utilities. What are you going to use for transportation when you get too old to drive? Will you order food online then it a cab ride to and from the grocery store each week? Nursing homes are only paid by Medicaid. Most seniors have to reduce their resources to qualify for nursing home. One of the things they buy is a prepaid burial. How are you going to pay for your next car? You feel okay with your current arrangements. Have you planned for the next 5 years? The next 10 years? The next 20 years? Personally, I don't have even a 10 year plan.

​@@Morongobill: And pay in for 10 years and miss the last 3 months payment and lose ALL that money?

@@Morongobill Old American Life Insurance.

That’s what you should have an answering machine for.

@@glennso47People still have answering machines? I have my cell phone set to ignore all unknown numbers. If it’s important, they can still leave a message on my VM.

Good advice.

This is true. I'm in my mid 50's now. My wife and I were following this same trajectory. Last two years, I pulled out my money and invested with her wealth manager. Not catching up with her profits over the years, but at least I earn more. I'm making money even before retiring, and my retirement fund has grown way more than it would have with just the 401(k). Haha.

Its unfortunate most people don't have such information. I don't really blame people who panic. Lack of information can be a big hurdle. I've been making more than $187k passively by just investing through an advisor, and I don't have to do much work. Doesn't matter if the economy is misbehaving; great wealth managers will always make returns.

@@hasede-lg9hj I think this is something I should do, but I've been stalling for a long time now. I don't really know which firm to work with; I feel they are all the same.

I think this is something I should do, but I've been stalling for a long time now. I don't really know which firm to work with; I feel they are all the same.

Firms can be unscrupulous as they prioritise their own commission over your profitability. On the other hand, I prefer working with individual investors like Vivian Carol Gioia, who only take a share from your profits, not your initial capital. I must say, my experience with her has been exceptional thus far.

Helps will help with a lawyer depending on your income, from 0% a month to $40 a month that then is reduced to $20. You will be looking at a few thousand dollars over a few years. I’m paying $20,000 to a lawyer for a custody case.

I need help with large credit card debts living on ss no money to pay bills can you help me😊

@@evatait8166 Contact a social worker.

This should not be a reason to not apply for SS. Eric HELPS

@@HELPSNonprofitLawFirm I actually called SSA yesterday and my appointment is October 5. Hopefully I can last that long.

i know how you feel!!!

@@patriciarussell1177 Update: I filed for my ssa and my first payment was last month. The amount is way higher than what I thought it would be and last month and this month my payment came a week earlier than expected

THAT is a real game-changer. It hit me right between the eyes when he said it. I had been worried that my saving, by living-thrifty, was not protected.

Question : what amount is 2 times my social security ie yearly? Fortnightly? Ie fortnightly might be $400 yearly that would be $10,500 . Do you mean never leave more than 21, 000 in your bank (in this example amount)?

@@ireneforestfairy1017it seemed to me he was referencing monthly. So 2x your monthly benefit is protected.

@@ireneforestfairy1017 When he talked about it, he used monthly numbers. He said if you get $1500 per month, $3000 is protected.

A judgement against you is an exception, it can come out of your SSDI and does..what do you do about that when you need it for yourself and you are a senior??

Yeh, I think they will get your money one way or another. He's kind of off the mark when he talks about Section 8. I know about that. The chances of getting on that are about 1000 to 1 ! And every year our gov't reduces it.

Which can be thwarted due to financial issues and WHO actually has 1st right to the debt.

Actually in California persons buying a home should file a homestead exemption form in their county. Around $600,000 is protected and a judgment is not a lien on the home. Eric HELPS

@@HELPSNonprofitLawFirm - It looks like there is some benefit to living in CA. l o l

I'd rather be lucky than good. Thanks for watching!

You would rather be lucky than good? What do you mean?

Agreed.

Perhaps you might not have had to, if you had saved like should have for retirement.

@@SirenaSpadesOk unhelpful smart azz.

And blessings to you as well!

@@SeniorLivingOrg ❤

Veterans also. They seem to be on every street corner panhandling.

You speaking of the babyboomers.

Don't have any Dental either on medical assistance

So sorry. We hope things work out for you.

In the meantime remember you have an earthly purpose to be here, still work for God. He will supply your needs.

⁠Aid to Veterans & Spouses who served in conflict is $ but the application is over 30 pages long. I think max is about $1450/mo. If you’re over 90, they will expedite it. Problem is it’s tedious application that if not filled out to perfection so it goes back and forth for months totally frustrated. There are companies that will do it for you. Advertise on net-be careful!! Some charge $2500. Too high. I went through this process for my mom. It’s worth the $. The fee to do this can be less than one monthly benefit payment. I found a great company through the assisted living facility. Patriot Angels. Super professional. Don’t overlook this benefit.

just cross the border and move to mexico Tijuana which is close to San Diego

Unfortunately, Uber has become very expensive and unaffordable for many, including me🙁

No uber or any public transportation where I live. Those are programs that exist in the cities. I live in a small town, if you don't have a car you aren't going anywhere

@@Nortongroove I was making suggestions that work for me, instead of the financial burden of owning a car. My car was $550 dollars a month with payments, insurance, taxes, etc. That’s not counting maintenance, repair, fuel, and other costs. My monthly Uber costs are less than $100 dollars a month. Which is far less than auto ownership.

@@expatiate1 I’m sorry to hear that. I live in a community of 2,500 people, and they run a mini bus for seniors on Tuesdays and Thursdays out of our senior center. Myself and several other senior citizens petitioned the town a few years back for senior services at a town meeting. We were successful in getting funds for a small community center, staff, and transportation. There’s grant money out there for this. Perhaps attending your next town meeting and raising the subject might initiate some action. The squeaky wheel gets the grease.

Exactly, I live in rural area and should we just get on a horse and go to the doctor? lol

You are very welcome.

We hope that things work out for you. Let us know how we can help.

I'm one of those seniors very scary

If your mother was married to a man who served in military in wartime, or if she served in military during wartime, she may be eligible for aid and attendance through the Veterans Admin. You will need a Veterans org to help you. Start with a local American Legion or VFW. Keep in mind that These folks are volunteers not paid Gov employees but they try to help vets and vets widows.

Houses do need maintenance. Having had houses for many years now, I figure it costs approximately 10k a year to maintain an average house. If you get by for less one year, you have to bank that money for another year that will be more expensive, for the roof, or HVAC, etc.

In what State do you live? @catnk9

Our pleasure 😊

Welcome aboard!

You're welcome! Please subscribe if you haven't already.

Happy to help. Thanks for watching! We hope you're a subscriber.

I am a subscriber and look foward for more exucating content.

You're very welcome! We hope you'll subscribe to our channel if you haven't already: kzfaq.info/love/IYQwu7wEpLyijISnF5Z6eA

Oh my I'm having an issue right now as I leave this comment with my teeth it's horrible my health is being affected tremendously my anxiety has paralyzed me I sure hope you find help this is so distressing being a senior and I'm not very smart everything is supposed to be done online and I'm not good at all with this technology

get all the info you can...I am an advocate for Medicare beneficiaries...they do have programs that will help you in every state. ASK questions, go to the seminars, make sure you know the different TYPES of plans, the choices, and if you have a retirement thru an employer. PLEASE talk to the admin and find out if they pay for Part B, or if getting certain coverge will CANCEL out any benefits your retirement might be covering. the biggest advice I try to convey is KNOW your options. KNOW you can delay being on Medicare if you are working and still have employer coverage. MAKE sure you have credible drug cvg as that can cause a penalty. Be informed, and if you aren't understanding REACH out for help.

I am 73 had cancer, had no insurance, got help thru my caring m.d. , connected with Wellcare, look into it , it has helped me even with meds.

I watched KZfaq for months before I was 65 to learn all I could. If you have any chronic health issues, choose carefully.

You are very welcome!

Thank you so much!

Thanks for watching!

Glad it was helpful!

Glad it was helpful!

Glad we could be of service.

@@SeniorLivingOrgWho is considered a senior? Also, do you help the adult disabled?

Sign up with AMAC. They are a senior citizen group similar to AARP but they are much better.

Glad you like them!

You are very welcome! If you haven't already, please subscribe.

Yes valuable

i have an old school and have been on ssi for 4 years and nothing has been taken from me.

Thanks, but we think it's more power to you! The more you know....

Sorry. We're not big fans of debt settlement companies.

I believe Senior Living has a video or two on this topic that should answer your question re IRS and state taxes Eric HELPS

We love to hear stuff like this!

You're welcome! If you're not already a subscriber, consider joining us. Thanks.

The IRS can offset 15% of SS after giving you 60 days notice. Many seniors can qualify for currently not collectible status with the IRS . Senior Living has videos on this topic. Eric HELPS

p.s It is actually quite rare for the IRS to offset money from SS Eric HELPS

Good, but a landline phone costs about $50 a month and we can’t afford that plus the cell phones

I see no one wrote to you. Why don't you call the number provided and check with HELPS...If you have alot of balances, can you afford to declare bankruptcy? You can drop that debt service I bet. They are sucking your money. I declared bankruptcy and it was the best thing ever. Don't let debt collectors push you around.

That company is ripping you off, if you didn’t file for chapter 13, where is your money going, by law that company has to respond to a chapter 13 filing, I would cancel with that company immediately, if they have your banking info change it before you cancel, so they won’t have assess to your account then stop the payments, good luck

I’m not sure, but hope you can find answers and a solution soon!

Credit cards are unsecured debt.. just stop paying

@@evinwhiteson4902 I stopped paying mine. Credit card companies shouldn’t give money to people that have none. You’re basically spending money that you don’t have. Add interest rates and you end up paying $100 for that $40 dollar shirt that was on sale. Don’t feel bad for credit card companies. Despite people defaulting on their payments, they still make money. They can write off the debt year end under losses and liabilities. P & L’s.

That would be stealing if the debt is actually and legally their own. The only reason I wouldn't pay a credit card is if someone else acquired the debt in my name. That has happened to me by scammers and criminals.

Here's the thing... Medicare doesn't pay for things like dentists or optometrists and if there is an emergency, you're going to need the credit.

@@marciamartins1992 Most Medicare supplement plans have dental and vision plans. I have Aetna and get &1800 a year for dental and vision benefits. Also a monthly amount for healthy groceries and over the counter benefits.

@@marciamartins1992 If you're low income, a Medicare Advantage plan is a good idea. They usually provide insurance for dental and optometrists.

Thank you so much!

Thank you. We're glad it could help.

Hello to Donna. Some colleges have students who gladly will go ĭn person to Seniors' homes. Just saying. ;)

Sorry ...to cut hair

There are KZfaqrs that are telling seniors to retire early at 62….do your own research on what time is best for you..

I feel bad for you having to deal with the aftermath of your husband’s poor decision. Why should you have to work and support someone who made a bad judgment call.

I@@Nortongroove I hate to say it but it probably isnt his first bad call ... we can pray that God brings relief to them both.

Hello could you tell me the name of that car insurance you got in New York all car insurance is high even just Liability insurance and I am a senior citizen and I still get charged a lot Have a blessed Sunday Stay Safe 🙏🙏❤️❤️

Pretty sure your net worth wasn't necessary, but thanks 😮

Hello. I am a senior and I pay 51.00 monthly with Geico.

but i dont have comprehensive or collision

Social security is not protected against back taxes!