Both of you are so informative. Seniors have many concerns and we feel vulnerable with legal issues. I thank you both for standing with the over 65 crowd.
I’m not going to go to court for this ! I don’t know if they can take my Ss they call over & over it was my card someone used it if I didn’t do anything about it bc it was a family member get I have 3000 although do have to accounts they said they will garnish, wages ! I don’t have much in my name
Thank you so much for your video. I'm a 75 year old widow from suicide. I only receive Social Security, I still make payments on a 2006 car. I have been so upset since I got this summons and came close to ending my life. Your video has helped me so much God bless ❤️
I am grateful for lawyers who support me. I called my lawyer for help and his advice supported the creditors. Seniors really need advice from caring lawyers an we need assistance in staying financially independent. Thank you so much and I will be calling you!
In my 60s my spouse of over 35 years battle cancer for 5 years having to be on a speical liquid diet costing over 80 dollar a week plus travel medical supplies our credit cards run to the roof. My spouse died in aug bank of america america express have been calling three to four times a day now with the death of my spouse my income has been cut in half. I can barely afford rent water electric I have my own health issues stop me from going back to work feeling alone and under all this pressure. To know my home is safe and income is such a weight off my heart I been feeling for months now
You are so right! Seniors are being sued because we are ignorant of the law! Thanks for both of you and channels like this that are so informative and so helpful! This channel should be available to all the 55 million seniors out there who’s on small social security !
You guys are the BEST! Thank God I came across your TH-cam video! All other TH-cam videos I have been watching do not provide helpful advice for Seniors or for those on social security disability. I have talked to five lawyers and not one of them informed me that my widows social security benefits were protected, but only to file chapter 13 which is very expensive and I cannot afford to do that. I am a widow age 63. My only income is widows social security benefits. I am a homeowner and have equity. The state of Utah has a homestead but I believe it's only 20K-30K that is exempt, more than that it is not protected. I will be giving you a call ASAP and I will be informing my widows group platform about HELP Nonprofit Law Firm. It's unfortunate that many widow seniors are being tormented by credit card debt collectors and often are terrified what will happen to their income if sued. Thanks a mil! Keep up the great service you are doing for many of us!
Unfortunately, in amerika, it's just all about scams and corruptions. When your debt is charged off, you owe nothing. Why? The lender already got its money back by deducting its loss from lts profit. Selling your debt to the bottom feeders is just a way for your lender to make extra money from the debt you do not owe. It's all just a scam and the people should put a stop to this.
Thank You so much , I’m up in age now, my husband passed and The bank took his debt in put it in my name I’m not going to pay it and they still keep sending
They CAN'T do that, Lynn. I know they are trying to, but your husband's debts are NOT your debts. I know that for SURE. Yes, get in touch with these folks ASAP. I'm a widow, too, and I know what people can try to pull on you. Good luck and God bless! ❤
Thank you. Age 63. Florida resident for fifty three years. Life threatening Lymphoma. On SSDI and a small LTD stipend until age 70. Amazing information!
Helps is awesome! Knowledge is power. I have hope now that I'll be able keep my home despite falling behind on credit card debt that's accumulated since I was forced to go on disability years ago due to a chronic illness. I am so relieved hearing this info. Thanks so much!
Thank you for this video. My elderly mom was just served with papers for a debt she and her late husband shared. I will pass on this info and the phone number.
Thank you so much for this video. Everything happens for a reason, and this video popped up on my TH-cam list, the day after I got a summons 05/21/24). I am a Senior turning 65 next month, and this info was just what I needed. I made the call to HELPS and will hear back tomorrow. The timing on this was so spot on.👍👍
Thank you so much for this info. I go to court tomorrow for a 7 year old medical bill. I am 66 on SSD and struggle to make ends meet. My bp has gone up fretting about this. Your info has calmed me down and now I am going out of curiosity how it will turn out.
"You" owe NOTHING.. All Debt is Gov, Obligations.. You've been deceived and agreed that you "owe" due to ignorance.. USC 18 & 8 . Every SSN is Insured/Bonded.. Gov Account. These BAR crooks are screwing people (the Creditors) Up..
In my State of South Carolina, if a senior owes money for medical bills or to a nursing home.....the creditors pounce as soon as you die. They attach liens on land, homes, or any real property that the deceased owns. If the children want to "keep the family farm" they have to pay off the medical bills before the probate court will allow any property be transferred to the survivors.
I would ADD pack your mind set, pack your positive attitude, you think you can do this???, " think again it's hard NOT for the weak minds,.. my son 22 y/o extremely physical fit with 5 years gym experience, his mindset BROKE!!!... not sure if he will continue :( it's a sad realty, this new generation is not made to last, and that's a scary thought,... my advice as a father is you find yourself in this hole of doubts, REFOCUS, ADJUST, QUITTING IS NOT AN OPTION!!.. at the end of the day you don't want to disappoint your love one's that are home cheering for you!....
Thank you so much. I’m doing a debt relief program who were already negotiating for me but bank of America still filed on the 28 k owed. I’m 63 and retired and on social security.
Thank you both for helping seniors. Some seniors are loosing there homes nationwide due to the Hoa's with out being able to afford an attorney or to defend the Default Forclosures Judgements. Are there any laws on a senior who was in her final two years in a senior center who could not appear in court, the court awarded the default judgement to the Hoa. After she passed, daughter was served who did not appear in court, Forclosure Judgement was awarded and lien on property of deceased that has complicated Probate and handling the estate. So many seniors need help especially financially. Thank you again fir helping seniors.
NOONE, I repeat NOONE should EVER get involved with an HOA. Why on earth would ANYONE want to pay hundreds of thousands of dollars or more for SOMEONE ELSE to tell you how you can live in or what you can do with YOUR own property? WHYYYYYY??? Why would you do that to yourself. You pay all that money and are told how you can live in it and what you can do with it. If you get sued over something then I say that's your own stupid fault for buying there. I have no sympathy for anyone like that. None.
I'm 6 years old and I have barely walk and I was a quart and got manhandled by the security guard whose hands on me instead of force me to sit down. The security guard is not enough for them in the last time I was there before that I got held up downstairs and when I went up to the courtroom I missed my name so I told the security guard to tell The Sessions Clerk that I was here. Solicitor's she dismissed all my cases!!
Eric,😢 I'm 75 years old I depend on my soc sec and retirement and have 48000 in debt, I am a renter. No judgements yet I'm in poor heart health, etc. Advise? Thanks Gil
I only saw the beginning of the video, so my comment may be way off. But the same applies to EVERYONE, not just seniors. If you are not disputing the debt then not showing up means the court decision goes against you by default! It’s not a criminal matter.
I'm definitely sharing this. I think that some companies threaten the elderly, scaring them into paying for things they no longer have the income for. Timeshares come to mind for example. They won't even let them out of the contract to pay maintenance fees. Nearly 90, and STILL expected to pay. 🤷 Such a con!🤦🙎
Mortgage company failed to delete lender placed insurance after proof of insurance was received but continues taking escrow from mortgagee making double payments
Thank God for your videos you have relieved a huge fear from me as a Senior. A lot of seniors are so often in debt due to scams as well! Thank you Thank you!
Listen to the video beginning at 9:00 Bank and Credit Unions officers know nothing about these rules. But the department within the bank or credit union that handles garnishments understands the rules. Although after 40 years of dealing with Credit Unions, they would be more likely to make a mistake. But this law has been effective for nearly ten years so hopefully, they finally have learned, The branch manager or local employees however likely don't have a clue. But then they aren't the ones handling garnishments, Listen beginning at 9:00. Eric HELPS
It is my understanding that seniors and non seniors both, need to ignore the collection agencies - never respond to their calls and wait it out as after 7 years the debt goes off your record and you can start over to build good credit having learned a big lesson. Is this true? I am not in debt at all & I have great credit but I do wonder if this information is correct. I also have heard that you can file bankruptcy but that is a bad idea.
My husband is 79, and I’m 75. We just got a summons that Discover Card is taken us to court, we live on SS, and a small check of $45 that is paid to my husband from when he was a volunteer fireman. Our only asset is our home. Which we still make mortgage payments on. Can they put a lean on the house? .My son is thinking about buying the house from us. Would we be able to sell the house to him The letter I got said that if we don’t show up at court, we will lose by default. I’m a wreck , over this Thank you for helping us seniors
I tried to Bankrupt but was told to sell my home I was under the impression that one could Bankrupt, Went to different places and they both pretty much called me ignorant
I got 3 letters, and never heard until yesterday. I get my SSN, but I work from home for 28 an hour. So that money goes into a checking account so that's protected right.
To correct, I did not write that stmt, and I work part time and only make a very small amount of money, so my apologies to whomever wrote that! Is was not me!
I am a senior and being charged for a utility bill back 25 years ago my landlord added $160.00 to my billi dont know maybe she was trying to be somekind of a cheepskate . Within the years mention I never recieved or even knew of this bill till days ago when I went in to open a new account.
Is it on your credit report as an unpaid debt? 25 years seems too long to collect on. You could call the HELPS Nonprofit Law Firm at 855-435-7787, who are featured in the video.
The Department of Defense was taking over $100 bucks out of my moms SSI for over 10 years for something my dad did. I wish they would give it back to her, but I doubt it!
I just starting receiving bills from an insurance co that claims I took out a loan in 1979. No way. That's the yr I cancelled my policy because I took a state job that gave insurance fir free. Claim I owe over $40k now. Will go to my state insurance complaints bureau.
One Main finacial took my car.. i had to borrow 1750. To get my car out of the lot where my car was inpounded.. i thought legally they couldnt do that..
If you borrowed money to purchase the car or you put the car up for collateral on a new loan they hold the title until paid and can repossess the car Eric HELPS
I have a tv trailer an no longer use it can the credit union put a lean against my house , I want to give the home to my son when I pass, but will the credit union put a lean on it an make my son pay for it, I’m 77 years old, my wife an I were going to travel but she passed away , now the trailer cost me 680 dollars a month plus insurance , what do I do?
But I was forced to go to court in my state in Arizona. That's messed up. I'm so aggravated bu these debt collectors of all kinds..No one ever said that this was an option to NOT GO TO COURT
I'm 77 , owe ~$5k in CC debt ! been paying 90 a month to each CC ! I live off SS of $897 a month ! My rent is going up , so , if I just quit making payments to Cc's and don't file Ch7 , will my bank let me keep my debit card , and will the CC's come after me in Ct ? I have less than 15k in assets and live in Tx !
You can actually make an agreement to pay as low as $1 to $2 dollars per month per account. You don’t even have to call to make the agreement you can just send a check or pay online as normal. Accepted payments go towards you paying your bill. A lot of people think if they can’t keep up with the demanded minimum payments then ignoring is best but paying an amount you can afford reasonably that won’t leave you homeless or unfed is still best and seen as you trying to be responsible under federal guidelines. Credit companies and collection agencies don’t want you to know this, but it’s true. Even without a conversation a credit card company that takes these payments and put them towards your bill is in essence accepting your payment for that month. I found that out long ago. If you quit paying your bills they’ll go into default and the company will probably charge them off. After that if a collection agency purchases them then you’re in the category that the people above are talking about. Make it a rule to deal with the original creditor and not the collection agencies. Don’t ever communicate with collection agencies that claim they bought your debt. The best way to avoid all of that is to do that dollar per month payoff but if even that’s too much (and I understand it can be) then the above is what will happen: charge off then eventually collection agencies. Monthly government benefits are protected and can’t be garnished.
You need to be careful with how much money you keep in the bank account. Because for example, if you have a credit card from chase bank and you have a checking account from chase bank and you decide not to pay the credit card, then chase bank can actually Take your funds from your checking account without your authorization. I would suggest maxing out your credit cards, i'm having a checking account with a bank that it has no connections with any of the credit card companies. if you keep your checking account separate from a different bank that holds your credit card debt then yes yes you can keep using the debit card because the debit card only is usable with the cash that is available in your checking account.
OK all the info sounds great but I'm not understanding what to do to recieve so.e help I'm over 90 years old and have been living in a house for over 15 years this week I was told that I have been elicited for the last week family estranged family members have been around moving all my things I really need legal help ASAP I am a SOLO SENIOR PLEASE SOMEONE PLEASE HELP ME OR TELL WHERE DO I START SO II CAN RECIEVE THE CARE YOU ARE TALKING ABOUT.
Unless I missed itOne of the elephants in the roomThat was missed is… So how old is someone to be considered a "senior" - some businesses and schools of thought say 55 others say it has to be over 65. At 62 being in the gray area I really don't know if this applies to me or not when he says "seniors." Anyone know the answer to that?
There's no minimum age, but some issues and protections only affect people collecting Social Security (62+) or those on Medicare (65+). But some of our senior discounts apply to people in their 50's!
My mom is being sued and on social security. She can no longer work and on oxygen 24/7. She has her account where the ss is deposited and instantly used for bills. However, her and I have a joint one, since we live together, and she helps pays the bills while I work my small business. My paycheck is direct deposited in the account. Can they garnish my wages since she is on it? We are filing just a basic answer letter directly to the court tomorrow but it probably will proceed further. Also, both our names are on our house. Is there any threat to our funds and if so, what should I do? We barely live paycheck to paycheck and I work my tail off to do it. Tia!!!
yes having her name on YOUR bank account is BAD! having anything in her name is considered her property. if there are 2 owners then the value is divided by 2, ect. its been 10months since ur comment i hope youve figured things out!
Several questions that come to mind: What age is the definition of senior(s) what age? I would assume that once a debt is established then that debt ends up on your credit report correct? Another important issue many seniors are renters and need to to be able to protect their ability to find another space to rent? Anyone have answers or comments!
I am heading to court in October for a debt that's not mine, but my name is on it. I tried to find out what, and who, credit the debt. Also I have discovered that it's statuses of limitations has run out. I lost my job during the pandemic, but just returned to work in May, but am only part time. I truly need good advice
If this isn't your debt then you certainly should challenge the lawsuit. You might want to forward information to the attorney who filed the suit that can prove you are not the same person that they sued. Eric HELPS
I wanna know what happened. And if you haven't been to court yet, just tell the judge the statute ran out. But, know that if you speak to them anytime throughout the process, the time starts over.....
Thank you. You guys are great. I have downloaded your site into my email. I am a senior and you make me want to go to law school to specialize in senior law.
My only income is protected Social Security Retirement (with less than 2 months benefit in the checking account) but I also have a Roth IRA with a balance of $20K. I know ERISA-qualified retirement accounts are protected but the Roth IRA is NON-ERISA-qualified. If I have a $500 copay medical debt (after Med Advantage insurance has paid) to a doctor (not a hospital) that goes to collections and creditor obtains a default judgement, is my Roth IRA at risk? Or, even if it is non-ERISA-qualified and technically not protected, in practice do collection agencies not pursue the debt even though they could? Also, can the doctor deny me future treatment because they never received payment for the previous copay medical debt?
I have an umbilical hernia and have Oregon health plan but the doctor won't operate because it's not covered under OHP. What can I do. I also have sleep apnea and my mask is broken but I don't have the money to buy another one.
@@HELPSLawGroup I live in the state of Colorado. I am presently being treated for MultiMyeloma (blood cancer) now going on 5 years. My time is close and I desperately need help in resolving this lien against my home , if it can be resolved. I can send you copies of everything related to this debt. When I did the voluntary repossession with the car dealership, I had assumed everything was settled.
I am a senior, living in my vehicle,in Michigan, receiving a very small retirement from social security (less than $900 per month) and am being tested for metastatic cancer. My credit card debts are in a payment program yet I have an individual showing up repeatedly at my mailing address, trying to serve me papers. I am still making payments on the vehicle I am living in. Can they take my vehicle or order that it be sold?
Does FDPCA apply to automatic liens on homes from Hoa's? I read under the FDPCA because the HOA hired the Attorne I believe it said it makes them a creditor collecting a debt. A $6,000 bill in 2019 grew to the Hoa claiming $40,000 in Civil Court, because I did not respond to this case against my deceased Mothers Estate it then went to Sheriff's Sale $47,000. I took a BK the amount went to $66,000, then uou have to pay $1100.00 to the Trustee and the legal Attorney amount $400.00 per hour. Now it's probably going to be discharged, now what? The problem is some or most seniors can't afford an Attorney to fight the Hoa's. Since they put a lien on your home which is automatically on your loan documents they force Forclosure. Husband a 76 yr.old Injursd Vet, I'm disadled. We really need a pro bone FDPCA Attorney to help end this HOA Nightmare.
The FDCPA applies to debt collectors. However an HOA has a lien on the property for debt that is owed. So a bankruptcy doesn't solve the problem if the intent is to keep the property. Eric HELPS
OK, I am 54 years old and disabled. i spent almost 10 years in prison. while i was in prison, somebody opened up various credit card accounts, bank accounts, filed unemployment in my name., pay pal accounts etc. now i have to be in court in the morning bcuz midland credit management is suing me. im going bcuz im a victim of identity theft. i filed a complaint with the federal trade commission. i even sent a copy to the debt collectors. is there any advice you can give me before i go? i cant afford to hire an attorney.
BRING EVERY PIECE OF PROOF THAT YOU WERE INCARCERATED! bring documentation file a police report, request a copy of your credit report from each of the filing bureaus. You can get it for free if you go online and get the actual website of annual free credit report. you need to check all of the accounts and report credit fraud.Send copies of the police report to each of the credit bureaus and that police report needs to contain the name and the account number of each account that was open fraudulently. as well as the dates.
Thank you so much! It is Very helpful Video , I recently got a summons because I got a car accident two years ago and with the law it is my fault because the other car has right away when I left turned even though the other car speeded. My insurance had already paid and settled with the driver. However, after 2 years the passenger has hired a attorney to sued me. I am very worry because I lose my job few years ago and basically I just live with my saving until two months ago, I have decided to start receive my SS benefit. I did passed on my Summons to my car insurance just two days ago. But they already paid the Max settlement with my policy. would you share some suggestion with me because I do have the 401k and I am worry they are going they a ways from me.
Your retirement income is protected you won't have to pay anything. I very much doubt they would push a lawsuit to get a judgment out of someone they would never collect from. You don't have to worry one bit. Eric HELPS
I’m surprised ur insurance company didn’t handle the frivolous claim against u/them for more money! This happened to my parents and the insurance company went to court and had it thrown out because they’d already paid a large amount and the lady didn’t have a reason for the suit other then she wanted more money..they dropped it and told her to leave us alone…they even threatened my brother and I when we were minors …the lady and her husband did this all the time as a way to make money…insurance fraud by causing car accidents
Thank you, so much, for this valuable information! I live in Oklahoma and since you are in another state, I just wondered if you any affiliation with legal representatives in Oklahoma. Thank you, again.
Can one counter sue for harassment from a debt collector. No debt is owed. They didn't send verification of debt they say is owed. How much can one ask for in countersuit against debt collector.
I’m 63 years old and am disabled. I I received SSDI and a pension. I was in court by credit card company we settled out of court. I was to pay $137 a month until almost $3000 will be paying off. I paid this amount for four months and am no longer able to pay it, I can’t afford it. Am I still liable to pay this debt?
I have been listening to Eric and I did the debt consolidation loan. But realized that I can't afford to pay 275.00 for it a month so I canceled it. It was either pay my house payment or pay my credit cards. I have to have a place to live. Am I going to get in trouble for not paying my credit cards. Can they touch my social security?
This is discussed in detail beginning at around 16:00 in the video. Bottom line the senior's income and assets are protected. A debtors exam doesn't happen that often. Listen to the end about a debtors exam.
In May, God willing, I will be 65 on January 12th 2024 I was served a summons for a debt I owed. I was being sued by Midland. On or around January 16th 2024 I sent the form that was enclosed with the summons and checked an yellow marked that I did not want to appear in court because I have no way of getting to the city were the case was being tried which was 62 miles away. I copied the reply form and sent it in TWICE to make sure that the court knew that I was responding and that I did not want to go to court and that I indeed owed the money. Today Feb 23rd I received the response and judgement by the judge stating that since I did not respond in time I was in default and the judgement was in favor of MIDland. My question is now that the judge have rules against me and I owe 2200.00 what can I do. If anyone can help me please let me know. I just don't have the money to pay the 2200 in ful but I would be willing to pay payments.
@@HELPSLawGroup If you look at the public property records for Madison County Alabama, you will see where Redstone FCU had a Sherriff sale ordered on my home over $20K in crediit card debit. I had to pay them $80K to stop it because of interest and fees.
If you had a 20k credit card debt that now is 80k it tells me the judgment was pretty darn old. I would bet your home was free and clear. And you had a heck of a lot of equity., Right now 190k in equity in a home is protected from creditors in Alabama. I am 72 filed around 40k bankruptcies and help tens of thousands of seniors throughout the US. I have yet to see a credit card judgment file a writ of execution to take a home- 44 years mind you. I suspect there are some strange circumstances with you. Lightening does strike of course. However, it is not fair to attribute what happened to you to everyone else. Odds always need to be considered. I assume you don't worry about getting hit by a drunk driver when you drive to the store on Friday night. @@RickNickel
Both of you are so informative. Seniors have many concerns and we feel vulnerable with legal issues. I thank you both for standing with the over 65 crowd.
Seniors have many concerns and we feel vulnerable with legal issues Speak for yourself, I'm a senior and I don't feel vulnerable. I also know the law.
@@rcas350pilot8 Good for you! Most aren’t that fortunate.
@@rcas350pilot8 - well…aren’t you special….stay lucky!
@@aros007z What makes you think I am lucky? Care to articulate?
I’m not going to go to court for this ! I don’t know if they can take my Ss they call over & over it was my card someone used it if I didn’t do anything about it bc it was a family member get I have 3000 although do have to accounts they said they will garnish, wages ! I don’t have much in my name
Thank you so much for your video. I'm a 75 year old widow from suicide. I only receive Social Security, I still make payments on a 2006 car. I have been so upset since I got this summons and came close to ending my life. Your video has helped me so much God bless ❤️
These people have helped me so much. I would highly recommend
@@caroledwards4705 oh so sorry Carol, you have been through a lot. I hope things are going better for you. Blessings 🙏❤️🌹
Yr life is worth More than a car debt. 😮 Stay strong & pray on it. Have faith. You are loved.
Sorry for your loss. You can get through this. Sending love.
Remember God loves you and no debt is worth your life.❤
I am grateful for lawyers who support me. I called my lawyer for help and his advice supported the creditors. Seniors really need advice from caring lawyers an we need assistance in staying financially independent. Thank you so much and I will be calling you!
Great. Thanks.
I went to the IRS when I was 65 and they put me on a “ noncollectible status” this takes me off of debt collectors list.
In my 60s my spouse of over 35 years battle cancer for 5 years having to be on a speical liquid diet costing over 80 dollar a week plus travel medical supplies our credit cards run to the roof. My spouse died in aug bank of america america express have been calling three to four times a day now with the death of my spouse my income has been cut in half. I can barely afford rent water electric I have my own health issues stop me from going back to work feeling alone and under all this pressure. To know my home is safe and income is such a weight off my heart I been feeling for months now
Simply inform them that ALL future corespondence MUST be done in writing. If the phone calls continue, they may owe YOU money.
You are so right! Seniors are being sued because we are ignorant of the law! Thanks for both of you and channels like this that are so informative and so helpful! This channel should be available to all the 55 million seniors out there who’s on small social security !
Homestead exemption in Texas is up to 10 acres 100 acres in rural areas
You guys are the BEST! Thank God I came across your TH-cam video! All other TH-cam videos I have been watching do not provide helpful advice for Seniors or for those on social security disability. I have talked to five lawyers and not one of them informed me that my widows social security benefits were protected, but only to file chapter 13 which is very expensive and I cannot afford to do that. I am a widow age 63. My only income is widows social security benefits. I am a homeowner and have equity. The state of Utah has a homestead but I believe it's only 20K-30K that is exempt, more than that it is not protected. I will be giving you a call ASAP and I will be informing my widows group platform about HELP Nonprofit Law Firm. It's unfortunate that many widow seniors are being tormented by credit card debt collectors and often are terrified what will happen to their income if sued. Thanks a mil! Keep up the great service you are doing for many of us!
Thank you so much for your kind words. Please do share us with your friends.
Unfortunately, in amerika, it's just all about scams and corruptions.
When your debt is charged off, you owe nothing. Why? The lender already got its money back by deducting its loss from lts profit.
Selling your debt to the bottom feeders is just a way for your lender to make extra money from the debt you do not owe. It's all just a scam and the people should put a stop to this.
Chapter 13 makes money for an Attorney!
Thank You so much , I’m up in age now, my husband passed and The bank took his debt in put it in my name I’m not going to pay it and they still keep sending
Lynn call helps hun! They will answer you’re questions!
They CAN'T do that, Lynn. I know they are trying to, but your husband's debts are NOT your debts. I know that for SURE. Yes, get in touch with these folks ASAP. I'm a widow, too, and I know what people can try to pull on you. Good luck and God bless! ❤
They put my husbands gas bill after he passed by 2 years put in my first bill now after struggling I got it paid off. Now they won't give it back.
I hear you same thi g happened to me when my wife died!!!
Thank you. Age 63. Florida resident for fifty three years. Life threatening Lymphoma. On SSDI and a small LTD stipend until age 70. Amazing information!
Helps is awesome! Knowledge is power. I have hope now that I'll be able keep my home despite falling behind on credit card debt that's accumulated since I was forced to go on disability years ago due to a chronic illness. I am so relieved hearing this info. Thanks so much!
Thank you for this video. My elderly mom was just served with papers for a debt she and her late husband shared. I will pass on this info and the phone number.
Look up David str8
Thank you so much for all your help to Seniors.😘
Thank you so much for this video. Everything happens for a reason, and this video popped up on my TH-cam list, the day after I got a summons 05/21/24). I am a Senior turning 65 next month, and this info was just what I needed. I made the call to HELPS and will hear back tomorrow. The timing on this was so spot on.👍👍
We hope it helps!
I don't mind being sued by a debt collector, because I know how to respond accordingly and turn the table on them and they owe me.
By all means please please tell me how to do this. My husband passed away and I’m on disability.
@@lynnbairefoot6016 any debt your husband had gets eliminated. Send the credit cards a copy of his death certificate
We had a debt collector freeze our account and the bank would not tell us who or why it was froze and wanted to give them our line of credit
In Texas you are responsible for your spouse debt and if you can’t pay and you own land or valuables they can put a lien on your property
@@Sarahbee-o8tToo bad Texans no have the smarts to change the law. LoL. Maybe law makers are in the pockets of debt collectors? 🤔
Thank you for being so respectful.
Thank you so much for this info. I go to court tomorrow for a 7 year old medical bill. I am 66 on SSD and struggle to make ends meet. My bp has gone up fretting about this. Your info has calmed me down and now I am going out of curiosity how it will turn out.
We are glad to be of help!
How did it go?
"You" owe NOTHING.. All Debt is Gov, Obligations.. You've been deceived and agreed that you "owe" due to ignorance.. USC 18 & 8 . Every SSN is Insured/Bonded.. Gov Account. These BAR crooks are screwing people (the Creditors) Up..
In my State of South Carolina, if a senior owes money for medical bills or to a nursing home.....the creditors pounce as soon as you die. They attach liens on land, homes, or any real property that the deceased owns. If the children want to "keep the family farm" they have to pay off the medical bills before the probate court will allow any property be transferred to the survivors.
Put assets in a trust to avoid this
Legalized thieves...educated gangsters. 😮
In Florida, did ladybird deed
I would ADD pack your mind set, pack your positive attitude, you think you can do this???, " think again it's hard NOT for the weak minds,.. my son 22 y/o extremely physical fit with 5 years gym experience, his mindset BROKE!!!... not sure if he will continue :( it's a sad realty, this new generation is not made to last, and that's a scary thought,... my advice as a father is you find yourself in this hole of doubts, REFOCUS, ADJUST, QUITTING IS NOT AN OPTION!!.. at the end of the day you don't want to disappoint your love one's that are home cheering for you!....
Thank you so much. I’m doing a debt relief program who were already negotiating for me but bank of America still filed on the 28 k owed. I’m 63 and retired and on social security.
You're very welcome. Sorry for your troubles.
Debt relief programs that don't tell seniors that their income is protected are essentially scammers. Eric HELPS
Amazing incredible information - worth the watch of every question and answer!
Glad it was helpful! Please subscribe if you haven't already.
great information, had no idea about the bank account protection of retirement funds x 2, that is something I never knew.
Glad it was helpful! Please subscribe for more helpful info for seniors.
Made my day God Bless You
Glad we could help!
Thank you both for helping seniors. Some seniors are loosing there homes nationwide due to the Hoa's with out being able to afford an attorney or to defend the Default Forclosures Judgements.
Are there any laws on a senior who was in her final two years in a senior center who could not appear in court, the court awarded the default judgement to the Hoa. After she passed, daughter was served who did not appear in court, Forclosure Judgement was awarded and lien on property of deceased that has complicated Probate and handling the estate.
So many seniors need help especially financially.
Thank you again fir helping seniors.
We might be able to do a video on HOA fees with Senior Living. This is a common problem. Eric HELPS
NOONE, I repeat NOONE should EVER get involved with an HOA. Why on earth would ANYONE want to pay hundreds of thousands of dollars or more for SOMEONE ELSE to tell you how you can live in or what you can do with YOUR own property? WHYYYYYY??? Why would you do that to yourself. You pay all that money and are told how you can live in it and what you can do with it. If you get sued over something then I say that's your own stupid fault for buying there. I have no sympathy for anyone like that. None.
If I do show in court and the plaintiff doesn’t show up is the case automatically dismissed?
I'm 6 years old and I have barely walk and I was a quart and got manhandled by the security guard whose hands on me instead of force me to sit down. The security guard is not enough for them in the last time I was there before that I got held up downstairs and when I went up to the courtroom I missed my name so I told the security guard to tell The Sessions Clerk that I was here. Solicitor's she dismissed all my cases!!
Eric,😢 I'm 75 years old I depend on my soc sec and retirement and have 48000 in debt, I am a renter. No judgements yet I'm in poor heart health, etc. Advise? Thanks
Gil
What about employment garnishment for hospital bills
I only saw the beginning of the video, so my comment may be way off. But the same applies to EVERYONE, not just seniors. If you are not disputing the debt then not showing up means the court decision goes against you by default! It’s not a criminal matter.
If you watch the rest of the video, you'll learn why seniors may not have to pay a judgement that a younger person would.
I'm definitely sharing this. I think that some companies threaten the elderly, scaring them into paying for things they no longer have the income for.
Timeshares come to mind for example. They won't even let them out of the contract to pay maintenance fees. Nearly 90, and STILL expected to pay. 🤷 Such a con!🤦🙎
Mortgage company failed to delete lender placed insurance after proof of insurance was received but continues taking escrow from mortgagee making double payments
What about chapter 13
Thank God for your videos you have relieved a huge fear from me as a Senior. A lot of seniors are so often in debt due to scams as well! Thank you Thank you!
was told by credit union that if there is ANY other deposits besides ss are made you lose protection.
Listen to the video beginning at 9:00 Bank and Credit Unions officers know nothing about these rules. But the department within the bank or credit union that handles garnishments understands the rules. Although after 40 years of dealing with Credit Unions, they would be more likely to make a mistake. But this law has been effective for nearly ten years so hopefully, they finally have learned, The branch manager or local employees however likely don't have a clue. But then they aren't the ones handling garnishments, Listen beginning at 9:00. Eric HELPS
This video made my day. I feel so much relief. Thank you and God bless you for the work you do ❤🙏🏿
It is my understanding that seniors and non seniors both, need to ignore the collection agencies - never respond to their calls and wait it out as after 7 years the debt goes off your record and you can start over to build good credit having learned a big lesson. Is this true? I am not in debt at all & I have great credit but I do wonder if this information is correct. I also have heard that you can file bankruptcy but that is a bad idea.
What to do about a Duces Tecum. I am on Social Security and don't owe anything.
Thank you for helping me today. I understand now some very scary things now ❤
Hopefuly those things don't sem so scary now
This was absolutely wonderful!! Thank you so much for this!!
You are welcome. Thanks for viewing!
What about hospital bill?
This was awesome
I will share this info with my 87 year old dad ❤
Glad you found it helpful. Thanks!
Excellent video. very informative and helpful. Thank you so much. 👌
Thank you for your kind words.
Thanks for the info
My husband is 79, and I’m 75. We just got a summons that Discover Card is taken us to court, we live on SS, and a small check of $45 that is paid to my husband from when he was a volunteer fireman. Our only asset is our home. Which we still make mortgage payments on. Can they put a lean on the house? .My son is thinking about buying the house from us. Would we be able to sell the house to him The letter I got said that if we don’t show up at court, we will lose by default. I’m a wreck , over this Thank you for helping us seniors
We live in New York. I'm going to call on Monday and sign up. If discover card puts a lien house does that need to be paid in full before we sell?
Thank you for helping
You can contact the HELPS Nonprofit Law Firm at 855-435-7787.
I have a judgement, taking money out my part-time job,no longer working, I'm 75 years old.what should I do
I tried to Bankrupt but was told to sell my home
I was under the impression that one could Bankrupt, Went to different places and they both pretty much called me ignorant
They prefer you to be homeless 😳
Does that very state to state?
Gosh, how awful for you that you can't just walk away from your debt & leave it for the rest of us to pay.
@@dresser6135 You are a lame troll...go away.
@@dresser6135 Government and Banks and Big Conglomerates do it EVERY DAY…
I got 3 letters, and never heard until yesterday. I get my SSN, but I work from home for 28 an hour. So that money goes into a checking account so that's protected right.
To correct, I did not write that stmt, and I work part time and only make a very small amount of money, so my apologies to whomever wrote that! Is was not me!
I don't make $28 an hour either!
What about alleged taxes from 2012??
I am a senior and being charged for a utility bill back 25 years ago my landlord added $160.00 to my billi dont know maybe she was trying to be somekind of a cheepskate . Within the years mention I never recieved or even knew of this bill till days ago when I went in to open a new account.
Is it on your credit report as an unpaid debt? 25 years seems too long to collect on. You could call the HELPS Nonprofit Law Firm at 855-435-7787, who are featured in the video.
The Department of Defense was taking over $100 bucks out of my moms SSI for over 10 years for something my dad did. I wish they would give it back to her, but I doubt it!
Better check with SS administration why that was happening. Could it be a scam?
Call a lawyer...
This is good information but, I think it depends on what state you live.
The laws that protect seniors income are by and large federal laws. So this discussion applies to all 50 states. Eric HELPS
I just starting receiving bills from an insurance co that claims I took out a loan in 1979. No way. That's the yr I cancelled my policy because I took a state job that gave insurance fir free. Claim I owe over $40k now. Will go to my state insurance complaints bureau.
Let's hope it's a mistake on their part that they rectify.
what about younger people on SSDI? do they have the same rights as seniors?
YEs
One Main finacial took my car.. i had to borrow 1750. To get my car out of the lot where my car was inpounded.. i thought legally they couldnt do that..
If you borrowed money to purchase the car or you put the car up for collateral on a new loan they hold the title until paid and can repossess the car Eric HELPS
I have a tv trailer an no longer use it can the credit union put a lean against my house , I want to give the home to my son when I pass, but will the credit union put a lean on it an make my son pay for it, I’m 77 years old, my wife an I were going to travel but she passed away , now the trailer cost me 680 dollars a month plus insurance , what do I do?
But I was forced to go to court in my state in Arizona. That's messed up. I'm so aggravated bu these debt collectors of all kinds..No one ever said that this was an option to NOT GO TO COURT
I'm 77 , owe ~$5k in CC debt ! been paying 90 a month to each CC ! I live off SS of $897 a month ! My rent is going up , so , if I just quit making payments to Cc's and don't file Ch7 , will my bank let me keep my debit card , and will the CC's come after me in Ct ? I have less than 15k in assets and live in Tx !
You can actually make an agreement to pay as low as $1 to $2 dollars per month per account. You don’t even have to call to make the agreement you can just send a check or pay online as normal. Accepted payments go towards you paying your bill. A lot of people think if they can’t keep up with the demanded minimum payments then ignoring is best but paying an amount you can afford reasonably that won’t leave you homeless or unfed is still best and seen as you trying to be responsible under federal guidelines. Credit companies and collection agencies don’t want you to know this, but it’s true.
Even without a conversation a credit card company that takes these payments and put them towards your bill is in essence accepting your payment for that month. I found that out long ago.
If you quit paying your bills they’ll go into default and the company will probably charge them off.
After that if a collection agency purchases them then you’re in the category that the people above are talking about. Make it a rule to deal with the original creditor and not the collection agencies. Don’t ever communicate with collection agencies that claim they bought your debt.
The best way to avoid all of that is to do that dollar per month payoff but if even that’s too much (and I understand it can be) then the above is what will happen: charge off then eventually collection agencies.
Monthly government benefits are protected and can’t be garnished.
You need to be careful with how much money you keep in the bank account. Because for example, if you have a credit card from chase bank and you have a checking account from chase bank and you decide not to pay the credit card, then chase bank can actually Take your funds from your checking account without your authorization.
I would suggest maxing out your credit cards, i'm having a checking account with a bank that it has no connections with any of the credit card companies. if you keep your checking account separate from a different bank that holds your credit card debt then yes yes you can keep using the debit card because the debit card only is usable with the cash that is available in your checking account.
OK all the info sounds great but I'm not understanding what to do to recieve so.e help I'm over 90 years old and have been living in a house for over 15 years this week I was told that I have been elicited for the last week family estranged family members have been around moving all my things I really need legal help ASAP I am a SOLO SENIOR PLEASE SOMEONE PLEASE HELP ME OR TELL WHERE DO I START SO II CAN RECIEVE THE CARE YOU ARE TALKING ABOUT.
Call helps at the # they provide. I'm not quite understanding your comment.
Unless I missed itOne of the elephants in the roomThat was missed is… So how old is someone to be considered a "senior" - some businesses and schools of thought say 55 others say it has to be over 65. At 62 being in the gray area I really don't know if this applies to me or not when he says "seniors." Anyone know the answer to that?
There's no minimum age, but some issues and protections only affect people collecting Social Security (62+) or those on Medicare (65+). But some of our senior discounts apply to people in their 50's!
What about the effect on credit if credit card not paid
Here is a link to a video from SeniorLiving that addresses this: th-cam.com/video/UL7CyR56UAI/w-d-xo.html
My mom is being sued and on social security. She can no longer work and on oxygen 24/7. She has her account where the ss is deposited and instantly used for bills. However, her and I have a joint one, since we live together, and she helps pays the bills while I work my small business. My paycheck is direct deposited in the account. Can they garnish my wages since she is on it? We are filing just a basic answer letter directly to the court tomorrow but it probably will proceed further. Also, both our names are on our house. Is there any threat to our funds and if so, what should I do? We barely live paycheck to paycheck and I work my tail off to do it. Tia!!!
yes having her name on YOUR bank account is BAD! having anything in her name is considered her property. if there are 2 owners then the value is divided by 2, ect. its been 10months since ur comment i hope youve figured things out!
Get her own checking / savings account. It takes two months for SS to make switch to a new account. Do it quickly!
Better yet, get your money and yourself out of the account and leave the account on her name only
Can a collector or magistrate administrator force a person to submit to an audit and demand social security numbers?
Several questions that come to mind: What age is the definition of senior(s) what age? I would assume that once a debt is established then that debt ends up on your credit report correct? Another important issue many seniors are renters and need to to be able to protect their ability to find another space to rent? Anyone have answers or comments!
Excellent Presentation
Thank you!
I am heading to court in October for a debt that's not mine, but my name is on it. I tried to find out what, and who, credit the debt. Also I have discovered that it's statuses of limitations has run out. I lost my job during the pandemic, but just returned to work in May, but am only part time. I truly need good advice
Contact the HELPS Nonprofit Law Firm, call 1-855-435-7787
If this isn't your debt then you certainly should challenge the lawsuit. You might want to forward information to the attorney who filed the suit that can prove you are not the same person that they sued. Eric HELPS
I wanna know what happened. And if you haven't been to court yet, just tell the judge the statute ran out. But, know that if you speak to them anytime throughout the process, the time starts over.....
Thank you. You guys are great. I have downloaded your site into my email. I am a senior and you make me want to go to law school to specialize in senior law.
Thanks, James! Seniors could definitely use your help, whether you wind up as a lawyer or simply volunteer at a senior home.
My only income is protected Social Security Retirement (with less than 2 months benefit in the checking account) but I also have a Roth IRA with a balance of $20K. I know ERISA-qualified retirement accounts are protected but the Roth IRA is NON-ERISA-qualified.
If I have a $500 copay medical debt (after Med Advantage insurance has paid) to a doctor (not a hospital) that goes to collections and creditor obtains a default judgement, is my Roth IRA at risk? Or, even if it is non-ERISA-qualified and technically not protected, in practice do collection agencies not pursue the debt even though they could?
Also, can the doctor deny me future treatment because they never received payment for the previous copay medical debt?
SonIf I ever get summonses again, I'm gonna NOT GO..I AM ALWAYS OPEN MINDED WHEN DISCUSSING AGREEMENTS WITH CREDITORS
Do those laws against garnishment still apply in 2024, and through election month?????
I have an umbilical hernia and have Oregon health plan but the doctor won't operate because it's not covered under OHP. What can I do. I also have sleep apnea and my mask is broken but I don't have the money to buy another one.
I'm 66 and my wife is 59 ! We got sued by a debt collector and our in the court process at this time ??
Contact HELPS for more info at 855-435-7767
Great message
Thanks!
What about property lien. This was done to me for a debt over 10 years old?
Depends on the state you live in and other factors. Often a judgment lien is meaningless for a variety of factors. Eric HELPS
@@HELPSLawGroup I live in the state of Colorado. I am presently being treated for MultiMyeloma (blood cancer) now going on 5 years. My time is close and I desperately need help in resolving this lien against my home , if it can be resolved. I can send you copies of everything related to this debt. When I did the voluntary repossession with the car dealership, I had assumed everything was settled.
Thank you so much .
Got a suit filed that asked the judge I fill out a 1.977 fact n info sheet. Only on SS. So do I need to fill this out ??
Thank you very good information.
Glad it was helpful!
I am a senior, living in my vehicle,in Michigan, receiving a very small retirement from social security (less than $900 per month) and am being tested for metastatic cancer. My credit card debts are in a payment program yet I have an individual showing up repeatedly at my mailing address, trying to serve me papers. I am still making payments on the vehicle I am living in. Can they take my vehicle or order that it be sold?
There are videos here from HELPS explaining why this won't happen. Eric HELPS
Thanks
You're very welcome.
What's the difference between a debt collector and a law office that is a debt collector.
Contact the HELPS Nonprofit Law Firm, call 1-855-435-7787
No difference a law firm is a debt collector when they are collecting debts. Eric HELPS
Does FDPCA apply to automatic liens on homes from Hoa's? I read under the FDPCA because the HOA hired the Attorne I believe it said it makes them a creditor collecting a debt. A $6,000 bill in 2019 grew to the Hoa claiming $40,000 in Civil Court, because I did not respond to this case against my deceased Mothers Estate it then went to Sheriff's Sale $47,000. I took a BK the amount went to $66,000, then uou have to pay $1100.00 to the Trustee and the legal Attorney amount $400.00 per hour. Now it's probably going to be discharged, now what? The problem is some or most seniors can't afford an Attorney to fight the Hoa's. Since they put a lien on your home which is automatically on your loan documents they force Forclosure. Husband a 76 yr.old Injursd Vet, I'm disadled. We really need a pro bone FDPCA Attorney to help end this HOA Nightmare.
The FDCPA applies to debt collectors. However an HOA has a lien on the property for debt that is owed. So a bankruptcy doesn't solve the problem if the intent is to keep the property. Eric HELPS
OK, I am 54 years old and disabled. i spent almost 10 years in prison. while i was in prison, somebody opened up various credit card accounts, bank accounts, filed unemployment in my name., pay pal accounts etc. now i have to be in court in the morning bcuz midland credit management is suing me. im going bcuz im a victim of identity theft. i filed a complaint with the federal trade commission. i even sent a copy to the debt collectors. is there any advice you can give me before i go? i cant afford to hire an attorney.
BRING EVERY PIECE OF PROOF THAT YOU WERE INCARCERATED! bring documentation file a police report, request a copy of your credit report from each of the filing bureaus. You can get it for free if you go online and get the actual website of annual free credit report. you need to check all of the accounts and report credit fraud.Send copies of the police report to each of the credit bureaus and that police report needs to contain the name and the account number of each account that was open fraudulently. as well as the dates.
Thank you so much! It is Very helpful Video , I recently got a summons because I got a car accident two years ago and with the law it is my fault because the other car has right away when I left turned even though the other car speeded. My insurance had already paid and settled with the driver. However, after 2 years the passenger has hired a attorney to sued me. I am very worry because I lose my job few years ago and basically I just live with my saving until two months ago, I have decided to start receive my SS benefit. I did passed on my Summons to my car insurance just two days ago. But they already paid the Max settlement with my policy. would you share some suggestion with me because I do have the 401k and I am worry they are going they a ways from me.
Your retirement income is protected you won't have to pay anything. I very much doubt they would push a lawsuit to get a judgment out of someone they would never collect from. You don't have to worry one bit. Eric HELPS
The only thing I worry is my 401K saving @@HELPSLawGroup
I’m surprised ur insurance company didn’t handle the frivolous claim against u/them for more money! This happened to my parents and the insurance company went to court and had it thrown out because they’d already paid a large amount and the lady didn’t have a reason for the suit other then she wanted more money..they dropped it and told her to leave us alone…they even threatened my brother and I when we were minors …the lady and her husband did this all the time as a way to make money…insurance fraud by causing car accidents
Thanks for the info, how long though can the debt collector be trying to collect the money, and how does one know if they drop the case?
Can a personal loan company go to your home if I don’t pay the unsecured loan for 2200. Dollars
But if the false debt is an outrageous water bill, can the utility just shut off the senior's water to their house?
What if a senior is still working but has hospital bills in collections, can they garnish their wages
Thank you, so much, for this valuable information! I live in Oklahoma and since you are in another state, I just wondered if you any affiliation with legal representatives in Oklahoma. Thank you, again.
HELPS assists seniors and disabled in all fifty states Eric HELPS
Can one counter sue for harassment from a debt collector. No debt is owed. They didn't send verification of debt they say is owed. How much can one ask for in countersuit against debt collector.
I’m 63 years old and am disabled. I I received SSDI and a pension. I was in court by credit card company we settled out of court. I was to pay $137 a month until almost $3000 will be paying off. I paid this amount for four months and am no longer able to pay it, I can’t afford it. Am I still liable to pay this debt?
You could contact the HELPS Nonprofit Law Firm at 1-855-435-7787 or visit helpsishere.org.
Can the IRS take money directly out of my account for back taxes, I’m 71.
What if the credit card debt is 10,100.00 due to penalties and interest (shown on the summons)?
Do these rules apply in California?
What age constitutes being a ‘senior’?
These laws apply to a persons form of income, Social Security, pension, disability, and VA benefits regardless of age, Eric HELPS
What if the person is 60 and works full time and receives VA disability benefits?
how does this apply in a community property state? (NM) My name was not on his credit card.
It is not the practice of credit cards to go after a non signer spouse even in a community property state. Eric HELPS
Is this for us 55 and older ?
I have been listening to Eric and I did the debt consolidation loan. But realized that I can't afford to pay 275.00 for it a month so I canceled it. It was either pay my house payment or pay my credit cards. I have to have a place to live. Am I going to get in trouble for not paying my credit cards. Can they touch my social security?
This video answers your question th-cam.com/video/UL7CyR56UAI/w-d-xo.html
They cannot. Many of the videos with HELPS and Senior Living go into the reasons why not. Eric HELPS
I don’t know what to do
How can we help?
Thank you.
You're welcome!
What is debtors exam?
It’s a meeting under oath asking for all you’re assets if you have any and you have to go to it or can be arrested
This is discussed in detail beginning at around 16:00 in the video. Bottom line the senior's income and assets are protected. A debtors exam doesn't happen that often. Listen to the end about a debtors exam.
If a debt is written off on a senior, do they have to pay taxes on write off?
In May, God willing, I will be 65 on January 12th 2024 I was served a summons for a debt I owed. I was being sued by Midland. On or around January 16th 2024 I sent the form that was enclosed with the summons and checked an yellow marked that I did not want to appear in court because I have no way of getting to the city were the case was being tried which was 62 miles away. I copied the reply form and sent it in TWICE to make sure that the court knew that I was responding and that I did not want to go to court and that I indeed owed the money. Today Feb 23rd I received the response and judgement by the judge stating that since I did not respond in time I was in default and the judgement was in favor of MIDland. My question is now that the judge have rules against me and I owe 2200.00 what can I do. If anyone can help me please let me know. I just don't have the money to pay the 2200 in ful but I would be willing to pay payments.
For legal help, you can always reach out to the HELPS Non-Profit Law Firm at 855-435-7787
Here in Alabama, credit card companies will force a Sheriff sale of your house to satisfy a judgement
HELPS never sees this happening. And if it were to be a possibility there are gazillion ways to stop it or solve the problem Eric HELPS
@@HELPSLawGroup If you look at the public property records for Madison County Alabama, you will see where Redstone FCU had a Sherriff sale ordered on my home over $20K in crediit card debit. I had to pay them $80K to stop it because of interest and fees.
If you had a 20k credit card debt that now is 80k it tells me the judgment was pretty darn old. I would bet your home was free and clear. And you had a heck of a lot of equity., Right now 190k in equity in a home is protected from creditors in Alabama. I am 72 filed around 40k bankruptcies and help tens of thousands of seniors throughout the US. I have yet to see a credit card judgment file a writ of execution to take a home- 44 years mind you. I suspect there are some strange circumstances with you. Lightening does strike of course. However, it is not fair to attribute what happened to you to everyone else. Odds always need to be considered. I assume you don't worry about getting hit by a drunk driver when you drive to the store on Friday night. @@RickNickel