WHAT HELPS CAN DO FOR YOU
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do you have old debt you can't afford to pay? WE CAN HELP.

We'll contact you to discuss your situation.

Thank you for your information.

Need immediate help? Call 855-435-7787 to speak to a HELPS representative.

Ten Things HELPS Can Do For You

1

WE SEND LETTERS TO DEBT COLLECTORS.

We send letters to collectors telling them your income is protected and that they must call us not you- stopping collector harassment

2

HELPS GIVES YOU AN ATTORNEY TO CALL.

Whenever you are scared or worried and have questions about old debt, we encourage you to call - now and in the future.

3

HELPS never turns anyone away that qualifies for our help.

We are a 501(c)(3) charity.

4

We help eligible seniors obtain uncollectible status with the IRS.

If you owe taxes we can help you obtain uncollectable status with the IRS. If necessary we will do a conference call with you to the IRS. If your social security is being garnished for past due taxes we can help stop that. We can also help you if you get an IRS form 1099c and explain form 982 so you won’t owe any taxes.

5

WE HELP WITH STUDENT LOAN INCOME CONTINGENT REPAYMENT PLANS and DISCHARGES.

If you have student loans, and you're an eligible senior citizen, we can help get you on an income contingent repayment plan with a likely payment of $0 per month.If you are disabled, we will help you with accessing the resources available to apply to get your student loans.

6

WE PROVIDE INFORMATION REGARDING TRANSPORTATION AND HOUSING.

We will provide information to you about less expensive transportation and housing options. We also provide letters for prospective landlords explaining how your income is available for rent due to your judgment proof status

7

We can counsel you if you have feelings of guilt because of inability to pay old debt.

A senior citizen is not a “bad person” because he or she cannot afford to repay old debt. Today, nearly half of American senior citizens live within 200 percent of the poverty line. The death of a spouse, illness or any other unexpected calamity can push through this cushion pretty quickly. What’s left is a series of unpleasant decisions. Add old debt to this mix and the choice between basic needs and debt repayment gets increasingly difficult.

8

we help you with suspected scams.

The internet has spawned the wild west of scam artists. Sometimes when surfing the internet, seniors will be faced with a website or notices that pops us that demand money for a fee to stop a supposed virus. Emails that ask seniors to update personal information in an attempt to get data to steal their identify to defraud creditors into loaning them money under the seniors name and personal information. out there engaging in this activity against some of the most vulnerable in our society

9

we wil meet with you and whomever else you need to feel comfortable.

We can always do a conference call with you and a child or trusted friend if you would like..

10

If you are sued for an old debt we will answer your questions and remind you that your income is protected.

HELPS does not represent persons in court but if you are sued for an old debt we will write the attorney for the creditor, explain and furnish proof that your income is protected and explain it cannot be garnished and seized..

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