My mother is elderly and the only thing she possesses is an automobile that my father purchased prior to his death. She draws a meagar SS income and she had several credit cards that she could no longer pay. She recieved a letter brought to her in person which practically scared her to death. He simply asked her name and said I have a letter for you. My question is I know they cannot garnish her social security but is there any thing else they may do. Place a lein on her vehicle maybe?
Welcome to the forums!!!
You are right…SS income is exempted from garnishment. The creditors can file a lawsuit against your mother if she is unable to pay-off the debt. Once the court issues a judgment against your mother, then they can place a lien on her vehicle. Your mother can contact with her creditors and negotiate with them. She may try to arrange a better repayment plan with them.
I believe that some of the time that it is the credit card companies faults, there was a time where they would give people a credit card regardless of their income.
Kind of what the mortgage lenders did. So then the person don't have the income to pay it they are nagged by collectors.
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Subject: Credit Maintenance
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Your personal details (name, email address and phone number) will be delivered to the company advertised on the Creditmagic after ve agreed to go for the counseling session by filling out the no-obligation form. However, it is your discretion to accept or reject their services.
Not all the creditors/debt collectors agree to trim down the outstanding balances, interests, and fees payable by the consumer.
Consumers working with the debt relief companies can still be sued by the creditors/collection agencies.
Debt relief services may have a diminishing effect on the creditworthiness of the consumer. The total outstanding balance may increase as the additional fees get accrued.
The overall amount saved by the consumer through the debt relief services is considered as taxable income by the IRS.