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Failure to Thrive
22 year old son with ADHD, depression in debt! Wants me to pay off his loans!
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<blockquote data-quote="AppleCori" data-source="post: 730565" data-attributes="member: 16024"><p>Hi LS,</p><p></p><p>I am not sure how your son would get such large loans from a PayDay Loan company. I am not familiar with how they work, but it sounds like his monthly income is derived totally from SSI, which means he could never pay off the balance while continuing to pay his own living expenses.</p><p></p><p>Do you have independent proof that he actually has these loans, or is it just him saying it?</p><p></p><p>My understanding of government Social Security benefits is that they can’t be taken or garnished if there is a judgement put against him. Since he has no other income, I don’t think the creditors have any way to collect from him. </p><p></p><p>Yes, they can take him to court and get a judgement, but i don’t know how they would get their money (not saying this is right, only that this is my understanding. You can check online or call SS to know for sure, I could be wrong).</p><p></p><p>Does he gamble while playing Pokémon? </p><p></p><p>Does he take drugs?</p><p></p><p>I would say, if these debts motivate him to get a job, so much the better. I would encourage it as long as it doesn’t interfere with his receiving benefits.</p><p></p><p>And remember, this is not your problem. If he has to go to court, it may wake him up (if his story is indeed true). He needs a wake-up call.</p><p></p><p>Apple</p></blockquote><p></p>
[QUOTE="AppleCori, post: 730565, member: 16024"] Hi LS, I am not sure how your son would get such large loans from a PayDay Loan company. I am not familiar with how they work, but it sounds like his monthly income is derived totally from SSI, which means he could never pay off the balance while continuing to pay his own living expenses. Do you have independent proof that he actually has these loans, or is it just him saying it? My understanding of government Social Security benefits is that they can’t be taken or garnished if there is a judgement put against him. Since he has no other income, I don’t think the creditors have any way to collect from him. Yes, they can take him to court and get a judgement, but i don’t know how they would get their money (not saying this is right, only that this is my understanding. You can check online or call SS to know for sure, I could be wrong). Does he gamble while playing Pokémon? Does he take drugs? I would say, if these debts motivate him to get a job, so much the better. I would encourage it as long as it doesn’t interfere with his receiving benefits. And remember, this is not your problem. If he has to go to court, it may wake him up (if his story is indeed true). He needs a wake-up call. Apple [/QUOTE]
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Failure to Thrive
22 year old son with ADHD, depression in debt! Wants me to pay off his loans!
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