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Helping my sister out paying her medical bill debt

Date: Fri, 05/12/2006 - 11:58

Submitted by anonymous
on Fri, 05/12/2006 - 11:58

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Total Replies: 7


My sister inherited a lot of money through her marriage from her father in law. She was on disabilty before she inherited the money. Well they found out she inherited lots of money and decided to take her disabilty check, and her medical card away from her. Now she is 15,000 in debt due to medical bills and the collection agency has decided to put a lien against her home to pay for these medical bills. She spent her inheritance, or should I say her husband did, but the collection agencies are going after her home.

If she puts her house in soley my name could they go after me? She wants to get back on disabilty so she can get back on medical care. She has had 2 back surgeries and has desgenerated disc disease, so she can't work.


you need a social secirty lawyer. even if she inherited money, she cannot work. a lawyer can really help to prove your case to social security.
And, since the money is gone, Social Security can not deny her claim for a disability check and the medical card.

As far as putting the house under your name, they might try to go after you by trying to cite her as your dependannt since she is living in your house, but that is a vague and weak case to begin with. You can simply state that you let her live in it because she is your sister and also the fact that she is disabled.

Social security might not pay her debt, even if they are medical bills, but putting the house under your name will mean that atleast she wont get booted by the collection agency.

Once the house is on your name, then you all can work with the collection agency and try to lower the premiums and work out some sort of payment plan.
What on earth is the husband doing in the mean time??


lrhall41

Submitted by zek1000 on Fri, 05/12/2006 - 12:27

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Her husband was diagnosed with ADD, and can't seem to hold down a job. So therefore it is just her who is the one that is carrying the load. She doesn't know what to do. She isn't living with me. I live in another city far away, but she wants to put her house in my name since i'm on her will anyways. I just don't want any repercussions to come back on me and I wanted to know if anyone thinks this will happen. What if she puts the house in my husband's name? Could the collection agency go after him?


lrhall41

Submitted by on Fri, 05/12/2006 - 12:34

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Every collection agency must abide by the laws in Fair Debt Collection Act. These laws define the legal measures that can be used in trying to retrieve money during collections. The fdcpa clearly explains the legal activities in which the collection agencies must engage themselves.

The FDCPA laws restrict a CA from jeopardizing anyone's employment, nor your or other's property can be taken due to the bill owed. And lastly, there is no debt prison in practice, so threatening you with jail for a delinquent bill also won't work.

Just relax, don't get scared of this collection agency. Ask them to validate the debt in writing and make payment arrangements with them.


lrhall41

Submitted by Gretchin on Fri, 05/12/2006 - 12:48

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I work for s social security lawyer. Were you on ssi There are two kinds of social security ssi is a the only one that should be affected by income. If you had enough quarters and were able to get the dib (Which is what you pay in on you pay checks) that should not be affected by money. Now that the money is gone you should be able to go back to the SSA Office and they should be able to start it back up. Do you know how long it has been since she got her last Social Security Check. I know that when you go back to work you have a 9 month and if you cannot work then you don't have to reapply they just start it back up. I would check to see what which one she was getting and if she was getting both then her dib should not be affected and she sould has kept her med card.


lrhall41

Submitted by colbert1974 on Fri, 05/12/2006 - 14:28

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Also I think if they put a lein on the house all that means is that if they sell the house then they get the money but I don't think they can take it away from her. Do you know if she still owes money on the house. I think that will make a difference to tell her to check with an attorney she can always call legal aid


lrhall41

Submitted by colbert1974 on Fri, 05/12/2006 - 14:35

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No her house is paid for. She owes nothing on it. Can they take this house away from her? Or are these just threats? She needs answers and only has 2 weeks to do something. She wants to put the house in my name, but I'm afraid if she does then these debt collectors will go after me. I'm not sure they can.... I wanted to ask advice from others if this is possible.


lrhall41

Submitted by on Sun, 05/14/2006 - 09:55

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kiddosmom

There are certain laws to be followed by the debt collectors. They cannot take anyone's property for recovering the past debt. At the maximum, the account will be sent back to the original credit company who in turn will make decisions. It will be better to call the original company and work out arrangements with them.

Do not fear of the collector's calls. They are using scary tactics so that you send some money to them. Call the original company and insist paying them only.


lrhall41

Submitted by john on Sun, 05/14/2006 - 12:49

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