This kit was produced with the intention of providing general and useful legal information for seniors and those that assist them. This material is not intended to take the place of an attorney or to provide answers to specific legal questions, but it may help you decide when further legal advice or counsel is needed.
The format of The Debtor Protection Kit is based on the checklist that follows this introduction. Use the checklist to help determine which portion of the kit will be useful for your individual situation.
If you are a Michigan resident, age 60 or over, and you have additional questions about the material in The Debtor Protection Kit, please call the Legal Hotline for Michigan Seniors at 1-800-347-5297.
Checklist for Seniors with Debt Problems
1.)Start with a debt assessment
Use the Debt Assessment to determine income available for debt payment.
Print out the Debt Assessment. List all bills by amount due and whether secured.
2.)Will budgeting or other strategies resolve the problem?
3.)Is the client eligible for additional income or benefits?
4.)Has the debt been referred to a collection agency?
5.) Has the creditor threatened or filed a lawsuit?