Why Seniors Shouldn't Worry about Old Debts
Рет қаралды 693,263
Күн бұрынAre you concerned about old debts? If you're in #debt as a senior, the law protects you from old debts in many ways that you may not know. Learn how seniors may never have to pay old debts from Attorney Eric Olsen, Executive Director of the HELPS Non-profit Law Firm.
También en español (Spanish version): • Por Qué Las Personas M...
Time Stamps
0:00 Introduction to seniors and debt
0:50 Why seniors don’t have to worry about debt
1:21 Federal law protects Social Security
1:45 ERISA protects Pensions and Retirement Funds
2:28 Most seniors don’t know their Social Security and Retirement Funds are protected
2:55 How Federal law protects Seniors’ Bank Accounts
5:39 How Federal law protects Seniors from Debt Collectors
8:16 Cease-and-Desist letter to stop Debt Collectors
9:02 How HELPS Non-Profit Law Firm can help Seniors
11:32 How Much HELPS Non-Profit Law Firm charges Seniors
12:21 How Seniors can contact HELPS Non-Profit Law Firm
Many seniors have financial issues, with some facing old debts such as student #debt. But the government protects seniors from certain types of debt. Federal law protects your Social Security payments, pensions, and retirement funds. There are even little-known laws that protect seniors' bank accounts. Debt collectors may be bothersome, but you can send them packing through various means that don't require you to pay them. Protected Social Security, pensions, disability and VA benefits can be used for your needs, helping you to find financial peace of mind. The HELPS Non-Profit Law Firm, based in Salem, Oregon, provides ongoing legal representation for purposes of communicating with debt collectors, serving clients in all 50 U.S. states. Once you retain HELPS, debt collectors can no longer call or send letters. Attorney Eric Olsen, Executive Director of the HELPS Non-profit Law Firm, explains why seniors may never have to pay certain debts, and how HELPS can help you even if you don't retain their services.
Jeff Hoyt is SeniorLiving.org’s Editor-in-Chief.
For how to deal with debt collectors, watch • Why Seniors Shouldn’t ...
To learn how seniors can avoid paying taxes, watch • How Seniors can Avoid ...
For more on Senior Finances and COVID-19, watch • Seniors' Finances & Co...
To learn when Seniors should consider Bankruptcy, watch • Seniors and Bankruptcy
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For more tips for seniors: www.seniorliving.org/
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To contact the HELPS Nonprofit Law Firm, call 1-855-435-7787 or visit helpsishere.org.
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Like to save money? Please watch: "The Best Senior Citizen Discounts"
• The Best Senior Citize...
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@anngutierrez 3 жыл бұрын
Thank you sir for letting us know our Social Security is protected. I think millions of seniors signed a breath of relief. God Bless you!
@allennoble9261 3 жыл бұрын
I'm paying to companies to try to get me out of debt if I stop their services and they're still many left it to pay on the credit cards is there anything that the credit card companies can do to me
@wandahwhetstone5720 3 жыл бұрын
Yessssss GLORY TO GOD OH HAPPY DAY GOD BLESS U JEFF & ERICK STAY SAFE🙏🏼⭐👌🤗🤗
@royharper2003 3 жыл бұрын
@@allennoble9261 credit cards can get a Court judgement against you but cannot garnish your SS or pension so depending on how much money you have they may be able to go after your earnings. Most won't sue unless it is a high dollar amount over 10K or 15K. It usually isn't even the credit card company they just write it off and report it as income to the IRS but companies buy these debts for pennies on the dollar and then sue.
@aliasunknown6972 3 жыл бұрын
@@allennoble9261 No. Contact HELPS and they will explain everything to you.
@thommysides4616 3 жыл бұрын
Yeah this is the first time I heard this information. Nice to know for sure...
@williardbillmore5713 3 жыл бұрын
If a collection agency calls you and asks for you by name...Asks who is calling . Once you find out it is a collection agency mute the phone and put it down. Never say a word to them
@Tunes8863 3 жыл бұрын
I have gotten a little "choked up" and told them I've passed away. Worked for me.
@moneypenni1694 3 жыл бұрын
...:-} good one.
@barbaraplourde7925 3 жыл бұрын
Lol great
@sandyfox7226 3 жыл бұрын
thank you for the information I'm not quite a senior citizen but I'm 61 I'm on disability and SSI and I'm hoping I can get my third stimulus check without any problems in my protected from debt collectors
@bernadineschacht8175 3 жыл бұрын
Thank you. Seniors really need this help. 👏👏👏👍👍👍
@SeniorLivingOrg 3 жыл бұрын
You're very welcome!
@alfredh.gipson9306 3 жыл бұрын
Thanks so much, We seniors really need this. In fact I really need this and will be calling to signup shortly Alfred
@wandahwhetstone5720 3 жыл бұрын
🙏🏼🙏🏼🤗🤗👌😑💜
@ramonagomez8994 3 жыл бұрын
What happens when you owe a car financing ☺️
@ramonagomez8994 3 жыл бұрын
What happens when you can't pay off the debt can they reposses the car !!!!!!
@CC-ck5nn 3 жыл бұрын
A piece of advice that I've learned. If your debt is turned over to a collection agency never ever pick up the phone or respond to any letter from a collection agency. They may be able to keep calling you or sending letters but as long as you don't answer the debt does not have to be paid. After 7 years it'll go off your record.
@musicmamma 3 жыл бұрын
True! I've had this happen, & I had an attorney tell me the exact same thing
@trisha60pm 3 жыл бұрын
I returned a ring to a jewelry store 40 yrs ago and have No proof of it. The lawyers 0rdered me to court to get prove who I was. These lawyers buy bad debts over again and use internships to collect money. The ring was 50.00 the bill they wanted was over 20000.00.
@billman6364 3 жыл бұрын
yea just wait 7 fing years or like the guy said, send a cease and desist letter!
@smyrnaramos2217 3 жыл бұрын
@@billman6364 would love more info on cease and desist letter. Pay being garnished.
@septembersapphire347 3 жыл бұрын
Really?!?! 🤔
@amylh322 3 жыл бұрын
I constantly see in social media that people under 30 have this strange idea that Seniors are just sitting around with huge bank accounts. My Dad is 81, he was a "contract employee" when he was told he didn't need to come to work the next day. No cake, no gold watch , absolutely no severance - just "you're 65, bye!' My parents live on their social security. It's terrifying. I've been disabled for 28 years and can't work. We've always wanted to do the right thing, pay the bills, but they have been scammed, Mom always handled the money and she has Alzheimer's. It is sickening that these good, hard working people who really could use help (someone to clean twice a month? No money for that), but I have no idea how to get that for them. Seniors deserve respect, not harassment. Thanks for this, I'll look at the website.
@Savannah-ed4rv 3 жыл бұрын
There are many ways to make money from home that would help you and your parents. Selling on facebook or amazon is one way. Also Work From Home Secrets is supposed to be a good affiliate marketing course. His informercials are on TV regularly. He has a book and online course to teach you.
@margnoel 3 жыл бұрын
Make money online takes time if you're not digital incline. Plus it involves investing in valid education NoT scam education....and it's not get rich quick. It takes Work and diligence.... that's my humble opinion....but who says you can't Try.....
@starwish2467 3 жыл бұрын
A while back, I helped several Girl and Boy Scouts get a Senior helping badge, by light cleaning my Mom's house. At least you could ask.
@darlenem.strommer3062 3 жыл бұрын
If lived near Litchfield mn I do house cleaning
@darlenem.strommer3062 3 жыл бұрын
@@harrydague7071 depends what you made when you did work
@kennethnelson4112 3 жыл бұрын
Being one of the 50 seniors you'd have in the room, I am one who did not know about the twice federal benefit is protected. Thanks for the information.
@DR-ul9mm 3 жыл бұрын
I am a senior and I want to thank you for that information. I don’t have any financial problem but your info is nice to know.
@glendalanden2916 3 жыл бұрын
Everyone Needs to know this, my husband is 70 and has just finished treatment for cancer, it's very difficult paying all the medical bills on top of household bills.And credit card bills. All of our credit is basically in his name and he's worried about losing our Good Credit Rating, as well as the fact that he has to go for frequent check-ups because of the cancer, or because it's left him with issues he may incur more medical bills while we're struggling to pay all the ones we already have because of the cancer. I hope you won't mind responding and give me much needed advice.I know we aren't the only ones dealing with these types of problems. Bless you for the work you are doing to help us Seniors, because most of us have no idea what to do. As majority of us have worked all our adult years and Always paid our debts.
@ericolsen2141 3 жыл бұрын
@@glendalanden2916 You can call HELPS and ask for me, Eric 855 435 7787 Eric Olsen Executive Director HELPS Nonprofit Law Firm
@klouisville8760 3 жыл бұрын
This IS GARBAGE. YOU DON'T MENTION LIENS ON HOMES TO PAY DEBT. IRS REFUNDS CAN BE ATTACHED IN BANK ACCOUNTS.
@lettienorvell5684 3 жыл бұрын
@@klouisville8760 m
@sheilasmith1109 3 жыл бұрын
@@klouisville8760 does this apply to the “twice the amount “ of the Social Security, Pension etc. rule? Thanks 🙏
@susanferraro897 3 жыл бұрын
Thank you for your compassion for Seniors. Very reassuring information !
@shirleykirby1891 3 жыл бұрын
Thank you for letting us seniors know what's going on with our social security. Im living in poverty right now and my S S is only 750.00 a month.
@scottyjeps3097 3 жыл бұрын
Shirley Kirby I only get $668 a month & I am 70.....$200 of that is a widows mite from my husband....s
@joycedallas4262 3 жыл бұрын
That is not good thank. Biden. We worked all our lives. Sorry have you got social security they have extra money to help
@kelly3697 3 жыл бұрын
@@joycedallas4262 Yes, Biden campaigned on a lie that he would raise social security by $200.00 a month, I'm not a senior yet but this money would help so many seniors that deserve to not live in poverty after working their whole lives.
@thisbabyboomer 3 жыл бұрын
Thank you I was not aware of these laws were in place to help seniors.
@surveysurvey8769 3 жыл бұрын
I m a senior and I didn't know that,Thanks for the info.
@sandymoonstone855 3 жыл бұрын
7:26 " difficult 4 a senior 2 grasp "
@brendajoycewhite5747 3 жыл бұрын
Yah, I didn't know that.
@joannedwards960 3 жыл бұрын
I didn't know that either! Glad I know that now!
@joannedwards960 3 жыл бұрын
Do we have to get a lawyer?
@MarcusFred-wn3iv Жыл бұрын
After a terrible 2022, shell-shocked financial backers have a lot to think about and losses to recover from. An expansion report and a wealth of other data did little to alter assumptions that the Central bank would likely keep raising interest rates regardless of whether the economy slows down. This implies that portfolios will experience more losses during the first quarter of 2023. I'm currently at a crossroads deciding whether to exchange my $250k security/stock portfolio; how might the continuous market volatility work to my advantage?
@MarcelPhilips Жыл бұрын
@wilsonkelvin2531 In fact, ever since Coronavirus, I've been in regular communication with financial examiners. Nowadays, buying moving stocks is quite easy; the trick is knowing when to buy and when to sell. The section and leave orders for my portfolio are made by my counsel. accumulated more than $550,000 from a $150,000 savings that was initially stale.
@DavidAntony-gq7id Жыл бұрын
@@MarcelPhilips Please provide the information for your investment advisor here. I really need it now.
@DavidAntony-gq7id Жыл бұрын
@@MarcelPhilips Thank you, Going through her profile on her webpage out of curiosity, and surprisingly she seems proficient. I appreciate this.
@clafra 3 жыл бұрын
Thank you so much for your information.It is so good to hear somebody on seniors side. I am 70 and last year fell on the job. Work comp is ridiculous and now nobody will hire me. The injuries are to the point where I can barely walk. It honestly seems there are so many greedy business people. I had to go to the dentist, he knew of my problems in the last year, and that I have no money. He charged me $4000 for two cavities and a cleaning.. Greed seems to have taken over humane treatment and kindness in our modern world.
@SeniorLivingOrg 3 жыл бұрын
We are always here to help! Thanks for watching!
@moneypenni1694 3 жыл бұрын
make the call....then call up Carington, best plan going for dental work, it's not insurance, it's a plan, I've used it for over 20 years....$25.00 every quarter, so around $100/yr, saved me thousands on dental work over the years.
@christinemartinez9156 3 жыл бұрын
I NEVER SEEN THIS PROGRAM IT HAS IMPORTANT INFORMATION .APPERCIATE HOW IAM LEARNING MANY THINGS THANK YOU GODBLESS YOU & ALL🌴🇺🇸🌴🀄🇺🇸🌴🀄🇺🇸🌴🀄
@ethelbentancourt2233 3 жыл бұрын
Amen 🤗
@janeyd.6228 3 жыл бұрын
I have medicare AARP's United Health Care and I have some Dental insurance, but not enough to get my teeth fixed I need a top and bottom plate or just a new top plate and one bottom cap, one pulled , and partials only $20,000. Guess I'll be living on baby food before long, not sure what I'm gonna do.
@kevinkane5911 3 жыл бұрын
I just became a senior last June. I'm happy I found this channel. There are so many things that now apply, it's a big help. THANKS!
@kennethcook8857 3 жыл бұрын
Nice to know. I just turned 65. Thanks so much.
@lorrainebecchetti4865 3 жыл бұрын
OMG, thank you so much for taking the time and telling us what is HAPPENING in the SOCIAL SECURITY.
@Raccoon_Mama. 3 жыл бұрын
I have a dear friend who lost everything 4 years ago, because of a reaction to one of the canncer treatment drugs (immunotherapy) Yorvoi (SP?). She was let go from her job at age 70, and she had credit card debt and has been constantly worried about lawsuits and garmishments....I plan to show her this video. Thanks!
@31444Jamir 3 жыл бұрын
Kristi J you are a good FRIEND. Happy New Year and may GOD bless you real good!
@0U81TO 3 жыл бұрын
I have never heard of this...so glad I stumbled across this channel. I'm going to check this out.
@helenw.6961 3 жыл бұрын
Hw
@avemaria390 3 жыл бұрын
J
@janetnoneofyourbusiness9032 3 жыл бұрын
It costs nothing for an initial consult with an attorney. One
@coco667 3 жыл бұрын
I HAVE NEVER HEARD OF THIS. TFS THIS VALUABLE INFORMATION.
@christinegilfoy4463 3 жыл бұрын
I didn't know this info eather
@christinegilfoy4463 3 жыл бұрын
Does that still.ess up my credit
@arthurildefonso4010 3 жыл бұрын
What is the name of this law?
@wandahwhetstone5720 3 жыл бұрын
Yessssss nice!🙏🏼🙏🏼⭐⭐
@daisywilkerson8201 3 жыл бұрын
Thank y’all so much for this info.it will be a great help for senior s that just exist from month to month
@EricJohn2008 3 жыл бұрын
This takes a huge load from my back! Thank you for being here. I'm on disability from being rear-ended by 2 large vehicles, I also have 2 sons living at home who are on the Autism spectrum, I have plenty to worry about without having this on my back all of the time.
@GS-st9ns 3 жыл бұрын
This is great. No guesswork involved. I will be a senior next year , provided senior is 60 years old , and I will use your service. I'm sharing this letter with as many seniors as I know and thank you for being there.
@ritalane2548 3 жыл бұрын
Thank you, Jeff, for presenting this information and thank you, Eric, for helping our Seniors.
@sigmachi5803 3 жыл бұрын
Thank you both for this introduction to Senior Living and HELPS! Merry Christmas!
@SeniorLivingOrg 3 жыл бұрын
Our pleasure!
@bubbagintz1274 3 жыл бұрын
Thank you so much I'm not trying to ignore my debts. But I'm so thankful that you started " HELPS " God bless you sir!
@marshaprice8226 3 жыл бұрын
I knew that my SS is protected, but I didn't know about the protection on my bank account. Thanks! I have experience with being unable to pay my old debts. I haven't responded to any letters, calls or judgements and have had no further problem. One judgement said that real estate could be affected; but since I don't have any, there's nothing to be concerned about. I paid my debts faithfully until I couldn't any more. It is a real relief to know that I am protected!
@sheilahollley7129 3 жыл бұрын
I'm in the same boat.
@judykennedy5985 3 жыл бұрын
This is good news. Debt collectors DO NOT CARE ABOUT OUR NEEDS,ONLY THEIR OWN !! There needs to be more wide spread info regarding this matter.
@cathypapineau9483 3 жыл бұрын
Thank you!! Alleviates much of the stress I've been experiencing!!! Thanks again!!!
@coiledsteel8344 3 жыл бұрын
MOST of these 'Debts' involves incorrect MEDICAL Debts, from OVERCHARGES.
@freedomforever1962 3 жыл бұрын
That's true! Remember you can request a copy of your credit report from the three agencies. You can dispute any thing on your report/s. Having those debts removed can even raise your credit score.
@Chimonger1 3 жыл бұрын
The tricky bit, is getting accurate records copies from providers. ESPECIALLY if you entered the care system via the emergency room. One must literally request an itemized billing--most never give you those. THEN, you need to scrutinize the billings, and QUESTION any items you think don't belong. That might need sitting with a hospital social worker or nurse or billing office, to explain the items on the bill to you. THEN you have to fill out a form to contest the wrong items, and request they be removed. Pitfalls of this: The providers KNOW they can easily buffalo patients and their families. It happens ALL THE TIME, pretty much everywhere I've ever worked, in 2 States, and heard plenty from others who've worked in other States. --> OFTEN, records are lies, both flagrant and of omission....not only of what was done, but what supplies got charged to your bill. --> WORSE...if you experience an adverse reaction to any treatment, those are mostly NOT charted, UNLESS they cannot avoid it. Most patients and their families are CLUELESS of adverse reactions. Most, IF they are charted, are made to appear as entirely different "problems", given Diagnosis Codes making SYMPTOMS into stand-alone diagnoses of their own--which is very wrong---but that is one big reason why healthcare has become so derailed from healing. That applies to at least the last 40 years of vaccine adverse reactions, drug or other treatment reactions whether in or out of a hospital or office. Then there's all that split billing from individual providers. [lost typing due to gargle glitch] The USA is one of THE MOST COSTLY countries to live in, specifically for health care of any kind. Medicines, surgeries, treatments, everything, is charged at the highest prices. INSURANCE industries and PHARMA industries, have made the US healthcare system what it is: extremely, unrealistically costly, and, got laws passed long ago, limiting Docs to only diagnosing, not curing. No one can legally claim they have cured anything. Docs are legally restricted to use only "poison, cut, burn" [drugs, surgery, radiation]. The reference books for Diagnoses codes, and for drugs, have grown exponentially in size, more because Pharma has made a huge business of reinventing thousands of Symptoms, into stand-alone "Disease", because they have invented drugs for those. And medical devices. etc. The feedback loops that determine how much, and when, prices get raised, is truly Machiavellian. Kinda like Tax laws.
@jamesfiegel9675 3 жыл бұрын
Yeah those medical fockers gouge you and then want the bill paid yesterday :(
@venusreena2532 3 жыл бұрын
That is the main thing us oldies get
@deborasolum5324 3 жыл бұрын
I paid off the overbearing medical charges, but still have student loan debt. BOTH of which were ridiculous.
@sherryhesner5940 3 жыл бұрын
In California; If you're debt is over 4 years from last payment, that debt becomes "time-barred" - judgment proof. What a relief.
@AnnieinKC 3 жыл бұрын
Most debt collectors illegally just re-age their begin date to keep it on your credit report way past 7 years. Child support will garnish re arrearages, too, if you're SSDI.
@ronbash9601 3 жыл бұрын
@@AnnieinKC À]])
@peggyoneal8402 3 жыл бұрын
@@AnnieinKC Can you help me I'm a senior of 65 all my social to pay bills.
@AnnieinKC 3 жыл бұрын
@@peggyoneal8402 what does that mean "all my social to pay bills" ??
@beckyhrnandez 3 жыл бұрын
@@peggyoneal8402 you need to reach out to them, they usually don't respond to you thru here
@johnwhite7320 3 жыл бұрын
Good info from an honest Lawyer is hard to find. Thanks
@julitalaborde2148 3 жыл бұрын
THANK YOU IM A SENIOR OF 71 YEAR OLD THIS WAS VERY IMPORTANT TO KNOW….NOT TO ABUSE THE SYSTEM BUT TO KNOW MY RIGHTS AS A SENIOR…GOD BLESS!!
@SeniorLivingOrg 3 жыл бұрын
Glad it was helpful!
@susanmatherne7508 3 жыл бұрын
God Bless Y’all. I know plenty seniors and I’ll let them know. Thanks
@josephlivinglife5547 3 жыл бұрын
Very good information thank you I’m a senior citizen and I know now what to do
@betetet 3 жыл бұрын
Sir, you are awesome to help seniors as you do!! Thank you! God Bless!
@gisellebarrow9672 3 жыл бұрын
Thank you!! I really appreciate this !! I will certainly pass this to my senior relatives and friends!!!
@gladyslopez9767 3 жыл бұрын
Thank you so much for this information. I didn't know about this federal law that protect seniors from debt collectors.
@charlenewhalley7936 3 жыл бұрын
Thank you for your information on the Senior Law!!! Have a blessed night because you deserve it!!!
@suzannelemay3405 3 жыл бұрын
Thanks for sharing, I am way below the poverty line, $10,000 a year on social security benefits. Judgement proof, is new to me!!
@monislimdancer1 3 жыл бұрын
I am so happy to have found you and your website!!
@Dumbluck14 3 жыл бұрын
My mom died a few years back and she had a small balance on a credit card. My sister contacted the company to pay it off and the CSR said “she is dead. Why do you want to pay this?”
@ThePerimeters 3 жыл бұрын
Sad that she didn't know that. The working class is trained to do what the rich know not to do. The Bible says that after death all debts are paid. Slavery says otherwise.
@seanoleary1979 3 жыл бұрын
@@ThePerimeters Wow... that saying was prolific!
@beebrown4054 3 жыл бұрын
Right
@meredithahern-tamilio4667 3 жыл бұрын
After both my grandparents passed away ,they had gotten there check in the mail within days after their deaths we mailed the checks back with a note that had the information on each of their deaths and we got a letter & phone call back thanking us for being honest human beings ,thos is the way I was raised ,honesty is best !! I'm the one who has to look myself in the eyes at night before my head hits the pillow each night ,did I do my part as a good person today and then you can sleep easy 😁👍
@omikredarhcs8221 3 жыл бұрын
The debt wasn't your sisters.
@jaminthevanuk296 3 жыл бұрын
Thank you for just being there to help
@gloriacoffman2574 3 жыл бұрын
WoW!!! Didn't know that,ty so much!😀
@olivertaylor8788 3 жыл бұрын
Without a doubt, This is the finest group of people you will ever encounter.Thank you for all you do,and God will never allow your phones or lights to go off.
@nadenesanders5020 3 жыл бұрын
I didn't know this. I tuned in just at the right time. Thank you for that useful information. Very, Very Helpful.
@Phyllis-nk5ji 3 жыл бұрын
Thank you for this information.
@michaelsmith2733 3 жыл бұрын
I have never heard this. I have disappeared my bank account money since freddie and fanny. I only keep a months worth of money to pay my my fixed expenses. I don't answer my phone unless it is a friend. Thanks for the good info. I hope.
@corryjookit7818 3 жыл бұрын
Michael I'm sad you seem to have felt pressured to do the only friends route with the phone. I believe Seniors do live within their means as much as best they can, he seems to understand this.. Huge Companies , but especially the Government's part, don't seem to get better. Often the worst . Happy New Year for 2021 and I send this greeting. out to all of the people who might be reading this. What brought you to this part during the Pandemic on New Year ? Good luck. I saw a post from a so called professional on here doling out advice, and making some assumptions which I believed to be wrong or misleading. . If you see something, say something. There I've said it ------Again !
@moneypenni1694 3 жыл бұрын
ah, I know all about them, they stole my home....I too, only keep a month's worth of payments in there. Smart move.
@Savannah-ed4rv 3 жыл бұрын
@@moneypenni1694 how did they steal your home?
@moneypenni1694 3 жыл бұрын
@@Savannah-ed4rv ; foreclosed on me & evicted me. I didn't know then what I know now, or they would never have been able to pull it off.
@daxinventor3542 3 жыл бұрын
Thanks for the info and advice. Seniors need all of the help they can get. Grateful to both of you men.
@lillian-annwhitingmonkarel2774 3 жыл бұрын
Thank you, so very much. My dad work for southern Pacific Railroad he passed away December 6, 1974 and his pension is still being held $130.000 130,000 principal no interest my mother went through other hell I put myself in school my dad was a veteran and I’m sure I’m not the only person to go through this nor was my mother she received three checks and died in 1995
@richwood678 3 жыл бұрын
Thank you guys, your incredible! Keep up the good work...
@stevenphelps7929 3 жыл бұрын
Thank you for this wonderful information, love the podcast and your guest, as well 🙏👍
@NRF33 2 жыл бұрын
Thank you so much for the useful information that the seniors are entitled. I believe in our Government that helps it's citizens in many ways, especially the seniors and veterans. Special thanks to this law firm that try to help the seniors.
@joancarlson1884 3 жыл бұрын
Very informative...all seniors please watch this!!!
@cindybogart6062 3 жыл бұрын
Thanks for this information! It’s great.
@AdirondackBroker 3 жыл бұрын
Thank you, thank you. Your videos give comfort!
@jarius0301 3 жыл бұрын
Surfing KZfaq has never been more beneficial. Thank you! God bless you!
@SeniorLivingOrg 3 жыл бұрын
Our pleasure!
@suzetteroberts9072 3 жыл бұрын
I'm a medicare insurance agent in AZ... this is helpful for my clients. Thank you.
@Collieb7 7 ай бұрын
Do you service yavapai county
@catfishinpappy1591 3 жыл бұрын
Thank you.... Very very much ! ❤
@williamhuisken2622 3 жыл бұрын
Good to know Lowered my anxiety.
@madelinehibbs3348 3 жыл бұрын
MINE ALSO !! THANKS
@lindadavis1966 3 жыл бұрын
Thank you for this information because a lot of us as seniors don't know that we are protected from our money being taken God bless you
@brendasilas7465 3 жыл бұрын
Thanks for helping our older people we need you and your Service
@j.vi-geant6784 3 жыл бұрын
Fantastic, thank you.
@larrywethington3175 3 жыл бұрын
God bless you. What a great work you're doing.
@SeniorLivingOrg 3 жыл бұрын
Thank you so much!
@debon1216 3 жыл бұрын
Very helpful information. I received a thing to go to court for a debt. I was panicked over it. Thank you for this article.
@stevenphelps7929 3 жыл бұрын
I had no idea what I was this missing awesome information. Great stuff!
@saed-sq1kw 3 жыл бұрын
I appreciate you both for this information.
@PIANOBYMAURICE 3 жыл бұрын
This is very helpful, thank you so much for sharing.
@rosemontoya3656 3 жыл бұрын
Thank you!
@candicew2842 3 жыл бұрын
Love your info. Info is everything for all of us. Changes in age is a missing commodity. Thanks
@musicmythang 3 жыл бұрын
Great information for us Seniors 👍🏾👍🏾👍🏾
@elliewilson8863 3 жыл бұрын
Wow nice to know this . Really appreciate it .
@gladyscerna7591 3 жыл бұрын
Few videos in KZfaq have been as helpful as this one! Thank you so much!
@SeniorLivingOrg 3 жыл бұрын
You're very welcome!
@phyllismorris94 3 жыл бұрын
Thank you. This info is major weight off my shoulders. I had to default on three credit cards. I had to move from Colorado to a less expensive state to find & move into a one bedroom apt that my brother & I could afford on our Social Security.
@patandersen4271 3 жыл бұрын
Thank you and God bless I wish my best friend who was I'll and passed in January 2019 could have found out about this, his son in law was a lawyer and he probably didn't know or care.
@treasuresbysata2165 3 жыл бұрын
Hi I have been registered with Helps for atleast 2 years. I am not a senior citizen but I am disable...they helped me stop a garnishment from my school loans. They also helped me with my IRS problems. I was very pleased with their program. This company is very knowledgeable & there customer service is excellent & they return calls & follow up the same day/the next day. This is a real testimony 😊. I would refer anybody to the Helos organization. I was able to keep a piece of mind through challenging times
@jewels7139 3 жыл бұрын
They helped you with the IRS?
@shirleyreese6832 3 жыл бұрын
As far as student loan debt, i had most of mine WAIVED due to disability. FYI. I fought for 5 long yrs. But it finally happened. It pays to question everything! I ask an abundance of questions .
@treasuresbysata2165 3 жыл бұрын
@@jewels7139 yes Julie. Helps actually helped me apply for Non collectible status...I believe it's also called the 53 status. They did a conference called & notified IRS that they will be representing me...After that helps gave ne information on filing for a medical discharge.The school loan was waived & I was placed in non collectible status. Helps assistamce made me stop living in fear😊. I eventually was Brave enough to fill out the forms for a offer in compromise & I am presently waiting for a answer. IRS said to expect a decision around Feb 2. Helos Org ... actually took a tremendous amount of stress off my shoulder & made me tackle my fears. I just want to add on...I filled out the offer in compromise forms myself & irs walk me through the process. BY the way I felt comfortable enough to ask irs lots of questions & they were quite helpful. I wish everybody all the best on their economic journey. Happy New Year
@sandra.j.g.thompson9268 3 жыл бұрын
You are offering an invaluable dearly needed service. I will talk with my husband and we will definitely "sign up." Thank you.
@SeniorLivingOrg 3 жыл бұрын
Well thank you Sandra. We will always be here when you need us.
@marknichols6348 3 жыл бұрын
Thank you so much for the information you gentlemen are a blessing
@lyngruen8607 3 жыл бұрын
NEVER KNEW ABOUT THIS 😮 THANKS FOR SHARING👍
@marthasavage4129 3 жыл бұрын
They need to make a law that collection agencies can’t sell your account. I have credited card companies sending nasty letters to get me to pay for my deceased father’s credit cards. Fortunately I know I’m not responsible. My Dad had no estate, he lived me, and no will and no executor. I received a small Life Insurance policy that paid for funeral expenses. They can’t take Life Insurance monies. So they’re sucking air and I file 13 all their corespondents.
@billman6364 3 жыл бұрын
atta girl
@karenraynor8562 3 жыл бұрын
If what U're already doing is working, then U may not need this suggestion. I simply put the funeral parlor prayer card in the env. W the statement stub n mailed it back with only serving as the necessary explanation of no payment submitted n I never heard from them again. Good luck n God bless
@marthasavage4129 3 жыл бұрын
@@karenraynor8562 I have actually spoken with them on the phone and sent them copies of his death certificate. It’s a tactic that they use to try to scare family into paying for their deceased parent’s debts. Not to worry it’s a waste of time on me. Like I said I file 13 everything they send. I suspect they will eventually stop sending. They even tried to say they could take “the” house to assume it was my Dad’s. No it’s my house in my name and they can’t touch it. It’s just very sad that there is so much dishonesty out there and there are some people that they can scare and intimidate into giving them money. Money that is legally not theirs.
@paxvobiscum1792 3 жыл бұрын
@@marthasavage4129 check your state laws and an attorney... if those letters are from creditors DEMANDING that YOU make payment upon your deceased fathers unsecure debt.... you might be able to sue them. In my state, it is UNLAWFUL for a creditor to go after OTHERS for a debt... and if they send letters, telephone calls and the Like demanding payment, we can SUE them in our state. If memory serves me correctly, in my state, they are also fined $7,000.00 by the state attorney general for each contact/demand of payment... One of the nations biggest cases against such unethical credit collections was won in my state... making the poor family very wealthy...
@marthasavage4129 3 жыл бұрын
@@paxvobiscum1792 Thank you for that advice. I will surely look into my state laws and proceed accordingly.
@alicejcarlisle4159 3 жыл бұрын
Thank you Gentlemen so much. Very valuable information.
@lilianramos2811 3 жыл бұрын
thank you for your good deeds to help us senior , blessed your heart and your life
@marciakeichel3990 3 жыл бұрын
Thank you for such valuable information. It has helped me so much.
@lisafrequency55 3 жыл бұрын
My mother had some debt that creditors were calling over and over again. I told her to tell them that she would have her lawyer get back to them just to see what happened and she did and they stopped calling.
@lastminute4154 3 жыл бұрын
11 yes ew see
@sweetsongstress7398 3 жыл бұрын
Did she unplug the phone?
@estell8459 3 жыл бұрын
@Wayne Collins with the sites "People Find" that won't work.
@lisafrequency55 3 жыл бұрын
@@sweetsongstress7398 No She told them that she would get her lawyer to contact them.
@anonuser5202 3 жыл бұрын
Why didn't she just pay her bills?
@nancycrockett3444 3 жыл бұрын
So Glad I Saw This About Senior Help On Debt.....Will Call Helps US Tomorrow! TY!
@mariat.hernandez4636 3 жыл бұрын
Thank you for that information .i did not know that
@mskittyjudy6943 3 жыл бұрын
if you reply to a debt collector, whether or not the debt has been sold to someone else, DON'T REPLY TO IT...THIS STARTS THE TIME LIMIT (or something) ALL OVER AGAIN. DO NOT REPLY CALL, TRY TO BE NICE & say you'll try to pay $X....have NO CONTACT with them!!!!
@usethetools 3 жыл бұрын
not quite correct. if you do not or can not pay a bill, credit card... the credit card company is obligated by law to charge off the account after 180 days soooo you may after this time receive a statement from a "collector"... do you have a contract with the "collector" NO YOU DO NOT. but you must reply within 30 days so...YOU MUST NOT PAY ONE CENT but contact your attorney who you will NOT have to pay...If the collector calls and want you to pay just tell them: I WILL DEAL WITH THIS BUT IN WRITING ONLY. THEN CONTACT AN ATTORNEY WHO DEALS WITH COLLECTORS... YOU WILL BE GLAD YOU DID.
@eliasa.740 3 жыл бұрын
And whatever debt collector has your debt. You did not sign a contract with them.
@angelfirelite 3 жыл бұрын
@@eliasa.740 .....Lol. just ignore um!
@Lovinlife1234 3 жыл бұрын
When they ask you if you "is your name such-and-such...and you say YES ...that is considered a contact .and the statute of limitations re-starts!!!!!
@myrthisnixon6554 3 жыл бұрын
Llh
@alvinmabrey2085 3 жыл бұрын
Damn that is so good to know. Thank you for this piece of info.
@Collieb7 7 ай бұрын
Just found your Chanel. My 82 yr old mother lives with my sister who cares for her. I take care of her finances. She literally lives on a social security check. Most of her expenses are medical related. She was so close to being denied chemo a couple years ago. She makes about $100 dollars too much to qualify for the states Medicaid as a secondary insurance. She has had several falls, broken bones, surgery and therapy. Therapy a couple times a week is so expensive. I do pay her medical portion but this is good information to know . Thank you.
@violetdalton9633 3 жыл бұрын
Thank you for this informative I didn't know this
@jacquielingiacovino4959 3 жыл бұрын
THANK YOU ! THANK YOU ! THANK YOU ! for this VALUABLE, EDUCATIONAL INFORMATION that very FEW senior's are AWARE
@ericolsen2141 3 жыл бұрын
You are correct very few seniors are aware of their financial rights and protected income Eric HELPS Nonprofit Law Firm
@lindaschlegel8656 3 жыл бұрын
What a great and informative presentation! Thanks for the enlightenment. Even as a senior without current debt, this is great news! Thanks for what you do.
@SeniorLivingOrg 3 жыл бұрын
You are so welcome!
@sadierayborn8241 3 жыл бұрын
This is such great news to this 80 year old lady!
@SeniorLivingOrg 3 жыл бұрын
Thanks for watching Sadie!
@jamesfoley3018 3 жыл бұрын
I didn't know what help was available, thank you.
@robertgutierrez1864 3 жыл бұрын
Good work thanks
@larrylucas5731 3 жыл бұрын
Thanks for the 411!
@minnierobinson7447 3 жыл бұрын
Great information! Thank you both...
@teresaareces4995 3 жыл бұрын
Great information to have, thank you !! I don’t have any debt thank God, but this is very good .
@ministerkevinbolds5225 3 жыл бұрын
I never knew this. Thank u
@jimfetter 3 жыл бұрын
Good to know, my medical bills are a source of harassment continually, as my SSDI doesn't pay me enough to pay medical bills and pay rent and utilities too.
@PastorJack1957 3 жыл бұрын
I DID NOT KNOW THAT! Thank you so very much! This may come in handy if the pandemic keeps up.
@wandahwhetstone5720 3 жыл бұрын
Goodday sir Jeff & sir Erick oh happy day sooooo relived my check& all other seniors income checks r protected from collectors praises to u both God bless you and stay safe 🙏🏼🤗🙃⭐💜
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