How To Deal with Debt

Artwork: Robin Mead

If you are on Social Security, or applying to be on Social Security, it may please you to learn that there are special laws in place that protect your disability check.

If you are not on Social Security, there still may be a few 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? I sure did not know that.

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.


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.

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

Don’t Just Take My Word For It

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

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