Guides
Articles about common issues for senior citizens and legally disabled persons struggling with debt.If you would rather discuss your situation than read an article, call 855-435-7787. There is no charge to talk to us.
Questions people ask us
Twenty-eight short answers about protected income, cost, signing up, credit, and what we do.
Receving a 1099-C tax form
What a 1099-C means, how to work out whether you are insolvent, and how to fill out IRS Form 982 to show the IRS you should not owe taxes on the cancelled debt.
Bank and Credit Union Account Protection From Judgments
How a federal regulation automatically protects your bank account from ganrishments, the amount of protection you receive, and the common mistake that puts your funds at risk.
Changing Where Your Social Security is Deposited
Learn about the three ways to change your direct deposits to a new bank or credit union account and what these processes require.
Debt Collectors vs. Original Creditors
One is the original company you agreed to enter into a contract with and the other is typically a third-party assigned the rights to collect the debt. Find out more.
Dealing with Guilt
For those struggling with the pain of self-blame about being unable to afford to pay debt. Choosing survival over paying debt does not make anyone a bad person.
How We Use the Law to Protect our Clients
The federal law we use to stop debt collection contact and a two-minute video explaining what we do.
If You Are Sued for a Debt
Learn why a lawsuit for debt is not a criminal matter. Discover whether or not you have to file a response to a lawsuit. We explain what a judgment is and why most of the people we represent are judgment-proof.
Senior Citizens and Bankruptcy
Find out more about about the different chapters of bankruptcy and when it may not (and may) make sense for a senior citizen to file bankruptcy.
Student Loan Debt
Discover why the difference between a federal student loan and a private student loan is important. Learn more about current options dealing with default of federal student loans and why disability discharge of federal student loans is still a working option.
Unpaid Income Tax Debt
Understand what the IRS or a state tax agency can do when incomes taxes are not paid. Learn more about the available means of relief for a senior citizen or legally disabled person facing income tax debt they cannot afford to pay.
When You Can't Afford Your RV Payment
How to surrender a motorhome or fifth wheel, what a deficiency balance is, and why it can't result in a judgment that can take your protected income.
Ask us your question
Tell us about your situation and our office will call you back, usually within one business day.