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If you still have debt, ie, credit cards - what happens to those lenders ?

If you don't pay, you will be hounded by collection agencies. The FTC can protect you from these agencies. You don't pay, your credit will be effected. You probably will not be able to buy any large ticketed items like a car, without a co-signer. There are consolidated loans with a lower interest rate. This will combine your cards into one monthly payment. If you are running a balance and not paying regularly on your cards, your probably paying 30% a year in interest. Here is a list of who can garnish ur check.

"Social Security benefits are generally exempt from garnishment for most debts, including those from judgments. However, there are some exceptions, such as: 
 
Federal taxes
The IRS can levy up to 15% of Social Security payments to collect overdue federal taxes. 
 
Child support and alimony
Social Security benefits can be garnished to pay child support and alimony. 
 
Federal student loans
Social Security benefits can be garnished to pay federal student loans. 
 
Restitution to crime victims
Social Security benefits can be garnished to pay restitution to crime victims. 
 
Supplemental Security Income (SSI) is also protected from garnishment, even if other forms of Social Security income can be garnished. 
 
If you receive Social Security, you can check your bank statements or account balance to see if your benefits are being garnished. 
 
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Reply to JoAnn29
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For my SFIL who had thens of thousands in cc debt, hadn't paid his property taxes in 3 years and had a house in foreclosure, he (with Parkinsons and Lewy Body dementia and MIL with memory impairment) both walked away since there were no other co-signers. I didn't answer their phone calls, and any mail they received I wrote "No longer at this address, return to sender" and put it in the mailbox. SFIL never had a PoA so not sure what his court-assigned legal guardian ever did, but my husband was PoA for his Mom and we never heard a peep out of any creditors eventually. I think at one point I wrote back on a creditor's letter that she was now in a nursing home.
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Reply to Geaton777
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Social security is fail safe. It cannot be collected against by any bill collectors save those holding federally funded student loans. Social security cannot be touched. However judgement against home, car, other assets can be obtained.
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Reply to AlvaDeer
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If you’re talking Medicaid and share of cost paid by assigning social security benefits to nursing home? The debts will go unpaid. Only a small personal needs allowance is kept for the patient on Medicaid. If house or car cost, they go unpaid. If there is a spouse outside nursing home needing support, consult an attorney to see if part of benefits can be kept for community spouse.
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Reply to Guestshopadmin
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