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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