Does bankruptcy filing affect Social Security Disability?

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macs

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Post Posted: Mon Jul 09, 2007 12:32 am    Post subject: Does bankruptcy filing affect Social Security Disability?
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My husband dies on august 2003. I have a home and I'm on social security disability. I am finding it hard to pay off my debts. I need to do something to pay down the mortgage on my home. I receive only $700 a month on disability. I got some fuel assistance last year. But do you think I should go for help to the welfare office. I don't want to file bankruptcy though but then what's going to happen to my social security income? And to inform you I really don't have that much cash to file even a bankruptcy
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Rosetta

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Post Posted: Mon Jul 09, 2007 1:47 am    Post subject:
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Macs,

I do feel that you should have a talk with the welfare officer. You can tell inform them regarding your situation and try to get help to come out this situation.

Rosetta
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Post Posted: Mon Jul 09, 2007 2:51 am    Post subject:
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Hello Macs,

I do understand your situation but I feel that there is not much to worry Smile . Your Social Security income cannot be garnished, or taken away by the lenders. You will be able to keep all your monthly disability check and also eliminate your debt completely if you file for bankruptcy.

Your loan balance must be pretty low for you to be paying the mortgage using only your Social Security. This means that you may be able to protect most or all of the equity even if a lender has a lien placed against the house. This depends on what state you live in.

I would suggest that you consult an attorney to see how much of the equity in your home you can protect. Also, you may consult the lender to help you find ways to access the home equity and come out of the debt.
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Post Posted: Tue Jul 10, 2007 7:20 pm    Post subject:
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Sorry to hear about your husband's death Macs.

The condition you are in my opinion would be to get in touch with the welfare office to get some assistance. They will also provide guidance on how to come out of the debt burden you are in.

Miller
Icon Mini Profile larry





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Post Posted: Wed Jul 11, 2007 2:17 am    Post subject:
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Hi Macs,

Bankruptcy and social security disability are mutually exclusive of itself, have nothing to do with one onother, and have no effect on each other. You do not lose your rights by filing bankruptcy.

So, creditors cannot garnish your social security disability income even with bankruptcy.
Pcuf

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Post Posted: Fri Feb 20, 2009 9:48 am    Post subject: filing bankruptcy
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I'm currently in the middle of a bankruptcy case due to the fact that I have become unable to work. I recently applied online for my social security disability and yesterday I received a call saying they could not help me because I am currently filing bankruptsy. Can you shed some light on this for me?
Icon Mini Profile Niicss
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Post Posted: Mon Feb 23, 2009 5:07 am    Post subject:
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Hi Pcuf,

As far as I know, filing bankruptcy does not cancel or impact your right to receive Social Security benefits. It is quite surprising to me that you have been refused the social security benefits.

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Jude

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Post Posted: Wed Dec 02, 2009 5:31 pm    Post subject: Does bankruptcy affect SS benefits?
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I believe SS CAN be garnished, but that's if you get over $700.00 or $750.00 (at least in WI). They took my stimulis check of $250.00 and I get $522.00 SS. They said I owe on a student loan from 35 years ago. I don't and now I have to fight something else. It really gets me how they pick on the poor, instead of the doctors and lawyers with outstnding bills.
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Post Posted: Wed Dec 02, 2009 8:52 pm    Post subject:
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Hi Jude!

Welcome to forums!

Check out a discussion related to your query in the given forum page.
http://www.mortgagefit.com/bankruptcy/socialsecurity-disability.html

I hope it'll definitely help you.

Sussane
pamela mauro

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Post Posted: Wed Feb 10, 2010 7:34 pm    Post subject: car loan
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I am on social security disability.I have a bankrupcy from 2008. Three years ago,I leased an '07 Honda accord. The lease will be ending next month (March 14th 2010) and I need a loan to either buy the car that I've been leasing, or a smaller loan for a down payment on a 2010 Honda. To buy the '07 leased Honda would cost almost 14,000.00. To buy a new 2010 Honda, all I would need to put down is 5,000.00. There was also a nice second hand car costing only 8,000.00. Please tell me what I will be able to do as I do need a loan. I have a co signer which will help. Thank you, Pamela
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Post Posted: Thu Feb 11, 2010 1:55 am    Post subject:
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You had filed bankruptcy in 2008. In that case, I don't think you would be able to get a loan immediately. However, I would suggest you to speak to some of the lenders giving car loans and take their opinion in this regard. They will let you know whether or not you would get the loan.
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Juanita

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Post Posted: Sun Feb 21, 2010 11:31 pm    Post subject: disability check paid by previous enployer
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I receive Social Security disability and also a disability check from employer where I worked before I got multiple sclerosis. I must file for bankruptcy. What will happpen to my disability checks?
Icon Mini Profile jameshogg
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Post Posted: Mon Feb 22, 2010 11:31 pm    Post subject:
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Hi Juanita,

As far as I know, you will be able to keep all your monthly disability checks though you file bankruptcy. The trustee won't be able to garnish your disability checks.

Thanks
Meme

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Post Posted: Thu Apr 01, 2010 12:46 pm    Post subject: SS Disability and Child Support
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I have got approved for SS disability, I also receive child support can either one in the State of Texas be garnished if I file bankruptcy? I owe aprox 62K and the attorneys are now calling me non stop. Please HELP!!
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Post Posted: Thu Apr 01, 2010 11:35 pm    Post subject:
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Hi Meme,

As far as I know, social security income and child support are not garnished while you are in bankruptcy. However, if you deposit the amount in an account and if that account has a judgment against it, then that account can be garnished. The creditor will not check out where the amount came from.

Thanks
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