How To Deal with Debt

Artwork: Robin Mead

It may please you to learn that there are special laws in place that protect your Social Security disability check.

If you are not on disability, there may still be a few other things on this page that can assist you.

Did you know that debt expires? And after it expires creditors will keep calling you and pretending you owe them money?

Did you know that if you if you send a debt collector $1, you can turn an old, expired debt into a new debt and start owing money all over again?

Did you know that you can get a student loan disability discharge even if you were not approved for disability?

There are a whole lot more things the debt collectors will never tell you, but you may be really glad to know.

Student Loans

If you are low-income or disabled and have student loans, you may have several good options. You do not need to be on Social Security. How To Escape The Crushing Weight of Student Loans

If You Are On Social Security

There are special rules in place to protect your Social Security check. Please learn more about  Who Can Take My Social Security Check? and How to Protect Your Social Security Check from Debt Collectors.

What Happens if I Don’t Pay Debt?

Here’s what happens: What Happens if I Don’t Pay Debt?

Dealing with Debt Collectors

If your debt is from a long time ago it may be expired. Even if your debt is recent, there are still a few things on this page it could be helpful to know: How to Deal with Debt Collectors

If your only income is from Social Security, and you don’t own any assets, you can just write to the debt collectors and tell them to leave you alone. Seriously. They will. How to Inform a Debt Collector That You Are Collection Proof

If you are going to tell creditors that you are collection proof, make sure you also take these steps to protect your Social Security check

Medical Bills

All of the above applies to medical debt as well. Here are a few more solutions for Medical debt:

If you qualify for Medicaid or Medi-cal you may be able to get all medical debt from the past three months paid for. Plus, you won’t get any debt in the future, because Medicaid covers all expenses. Many people think they can’t qualify for Medicaid, when they actually can. Please check out: How to Apply for Medicaid Twelve Different Ways and How to Respond When You Are Told You Can’t Get Medicaid

If you are on Medicare, check out: How to Escape Medicare Fees

The Sisters Undercover were not disabled or low income, but they were still able to eliminate most of their medical debt: How I Cut My Medical Bills By 80%


In some cases, there are some special IRS regulations that help people with disabilities. If you owe the IRS money, in some cases you may be able to go back and amend past tax returns.

Learn More

Financial regulations are complex and can change. Please double check and do more reading before making any important decisions.

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