Legal Question in Credit and Debt Law in Wisconsin
credit card debt
My only source of income is SSI for my shcizophrenia and depression and I am in heavy debt and can't pay any of my creditors I'm also aiding my mother with her bills, so I have practically nothing left each month. I called each of my creditors and informed them of my problem ask them to matbe forgive the debt or at least reduce, NO they said. I don't know what to do I'm losing my mind and worried sick.
1 Answer from Attorneys
Bankruptcy for SSI Recipients, Creditor Harassment Aggravating Mental Illness and Stress
Generally speaking, creditors can do very little to persons with no assets who are receiving income which is exempt from most creditor claims (such as SSI--Supplemental Security Income) or other Social Security benefits. They can, however, legally contact them and discuss/encourage payments, which often amounts to a legal form of harassment. If these contacts are causing medical deterioration, unacceptable levels of stress, insomnia, or other health problems, the debtor should promptly discuss their situation with an experienced bankruptcy lawyer. Bankruptcy can often end the harassment and legally discharge debts.
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