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In this article, you will discover:
Yes, if you’re living on SSDI or SSI income, you can file. Sometimes SSDI or SSI income makes filing for bankruptcy easier. SSDI or SSI income does not count toward qualifying. Therefore, if it’s your main source of income, you will qualify.
Your disability income does not count toward the Chapter 7 means test in Florida bankruptcy..
No, social security benefits are exempt in bankruptcy.
Filing for bankruptcy doesn’t affect your eligibility for public benefits or assistance programs. Those programs are normally income-based rather than debt-based.
On Schedules I and J for bankruptcy filings, you list your actual income and expenses. You do list income you receive, whether it be social security, disability or food stamps.
You don’t have an expense for insurance if you’re on Social Security Disability Income. Most people have a cost for medical insurance, whether it’s deducted from their paycheck or they pay for it in the marketplace. However, if your medical insurance is being paid for by the state, it’s not listed. It doesn’t hurt your case.
Occasionally, you have somebody who’s getting social security and VA disability along with some part-time job. Now their income adds up, and maybe that can be a situation. Still, that would be extremely rare.
Attorney Alec Solomita, is an experienced lawyer based in Orlando, FL, who has helped countless clients like you navigate the intricacies of bankruptcy law. With more than 17 years of experience, he is prepared to assist you in navigating bankruptcy if you’re on disability or a fixed income so you don’t become financially overwhelmed.
Still have questions? Ready to get started? Contact Solomita Law, PLLC today to schedule an initial consultation.
Some people have significant medical situations and don’t want to deal with the stress. If you have a severe medical condition, that’s more of a reason to file than not. As circumstances get more stressful, you need to eliminate the stress, or your health gets worse. Maybe they think gathering the paperwork is too stressful.
Often, clients have families that can help out. For those that don’t, I’ll step up and do things I won’t normally do for clients. Maybe I’ll have them come into my office and take the class. In some cases, I’ve gone to people’s houses. If you’re trying to help people with medical conditions, you meet them where they’re at.
I offer payment plans to many people. However, if you don’t have a lot of income, I probably am not going to do a payment plan with you because that’s going to put more stress on your situation. This arrangement put us both in a bad spot, and I don’t want to do that either.
What I usually will do is offer a significantly discounted price upfront that I think you can afford based on your income. In some cases, I offer my services pro bono. If I don’t think you can ever afford it, I’ll either let you go, or I’m going to take your case pro bono.
For more information on bankruptcy on disability or fixed income in Florida, an initial consultation is your next best step. Get the information and legal answers you are seeking by calling (407) 708-9681 today.
Attorney Alec Solomita, is an experienced lawyer based in Orlando, FL, who has helped countless clients like you navigate the intricacies of bankruptcy law. With more than 17 years of experience, he is prepared to assist you in navigating bankruptcy if you’re on disability or a fixed income so you don’t become financially overwhelmed.
Still have questions? Ready to get started? Contact Solomita Law, PLLC today to schedule an initial consultation.
