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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

Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)


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.


Like | Dislike | Share | Posted: Mon, 07/09/2007 - 01:47 | Post subject:

jenkin7's picture
jenkin7 | Joined: June 4, 2007 11:02 pm | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hello Macs,

I do understand your situation but I feel that there is not much to worry :) . 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.

Like | Dislike | Share | Posted: Mon, 07/09/2007 - 02:51 | Post subject:

miller_st's picture
miller_st | Joined: January 17, 2007 04:47 pm | Posts: 0 | Location: New Jersey | 00 Dollars($)

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.


Like | Dislike | Share | Posted: Tue, 07/10/2007 - 19:20 | Post subject:

larry2's picture
larry2 | Joined: June 27, 2007 02:50 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

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.

Like | Dislike | Share | Posted: Wed, 07/11/2007 - 02:17 | Post subject:

Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

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?

Like | Dislike | Share | Posted: Fri, 02/20/2009 - 08:48 | Post subject:

Niicss's picture
Niicss | Joined: October 3, 2005 11:54 pm | Posts: 0 | Location: New Jersey | 00 Dollars($)

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.


Like | Dislike | Share | Posted: Mon, 02/23/2009 - 04:07 | Post subject:

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