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RE: If I report that James lives with me, can they coun... - 2/23/2013 12:51:21 PM   
LadyPact


Posts: 32566
Status: offline 		I wanted to read this entire thread before making a comment. As it turns out, I really didn't have to. I've read it in it's various incantations before. Same with the eating healthy threads, the ones on food, the ones on problems in social settings, on, and on, and on.

To answer your question, OP, yes, you are committing fraud. You may not *want* James to live somewhere else, but if he seriously can't provide completely for himself if he lived elsewhere, that's him being partially supported by you and your parents. The angle is, if he didn't live there, there would be fewer people to buy food for, less water use, fewer non perishables needed, etc. It's not SSI's problem that he can't financially support himself.

The lawyer that you spoke to by phone just literally told you to go ahead and commit fraud. Even if was the wink, wink, nod, nod, what they don't know won't hurt them type. Yes, the lawyer would get over because you are not that lawyer's client. If you were that lawyer's client and it was ever proven that the lawyer instructed you to break the law, the lawyer becomes a co-conspirator, (yes, even if there was no monetary gain on their part) and has a shot at being disbarred.

Every time you have an assessment appointment and sign those forms stating that you are reporting your situation as accurately as possible when you know that you are not, have a look at that fine print where they tell you what the penalty will be if you are caught. Those penalties can include loss of benefits, fines, and in some cases, jail time. There's no boyfriend that I've ever lived with that was worth the risk of having My ass thrown in jail.

I'm sorry, but these various cycles of issues that you bring to the boards for YEARS are always the same. How can you eat healthy, oh, but Mom does all of the cooking and James eats junk food in front of you so you can't resist. You want to go on about getting a job, but then it's about how you can't make change or don't have clothes or transportation. Your lousy social skills haven't changed in all of the time you've had a screen name. It's always been to hard for you to understand how to have a brief conversation in a social setting and let people walk away when it's over, rather than follow them about. How not to invade other people's personal space when they don't want you close to them. Not using some impulse control when comes time to hush. That's not due to the past abuse that you've had. It's not because you haven't been told repeatedly how to seek out help in these areas. I'll give you one guess as to what the problem is and no, it's not because everybody is mean to you.

Then, you compound your problem by things like you decide you have to have a dog when you come here and want to whine that you can't afford to feed yourself. Even before you got into that, you insisted that all of the dog's needs were taken care of so it "wouldn't cost that much". As soon as the dog got sick, there was a thread about how you couldn't afford x, y, z to take care of it. Do you see why people are telling you that your priorities are messed up?

This is why I generally stay off of your threads. They never change. Lots of complaints and very little action. I'd be willing to lay money on the odds that within the next year, there will be another thread on losing weight, how to eat healthy, why you need to (but can't in your eyes) get a job, or any of the other things that people go out of their way to give you good advice on that you never take or take for just a little while before you decide it's too hard for you and you don't bother trying anymore.

My question to you is this. If I, who is just some chick on an internet site can see all of this, why doesn't your therapist see it? Why not your case worker? Surely your parents notice that you don't have any friends and all of your other problems. What's going to happen when they are no longer of this earth and you are so ill-prepared to be an adult? You get lots of sympathy from folks when what you really need is a kick in the ass.


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RE: If I report that James lives with me, can they coun... - 2/23/2013 1:08:41 PM   
Baroana


Posts: 1480
Joined: 11/13/2011
Status: offline 		I second what LP says. We're not trying to pick on you, OP, it's just that no one can help you if you don't help yourself.

Just a stab in the dark here, but I suspect this James guy is enabling you if he's assuming a daddy role and letting you remain a child mentally.

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Profile   Post #: 122
RE: If I report that James lives with me, can they coun... - 2/23/2013 1:56:35 PM   
DomKen


Posts: 19457
Joined: 7/4/2004
From: Chicago, IL
Status: offline 		FR

SSI is not meant for someone to live on independently for life. It is meant mostly for people who live in group homes and the like due to conditions they were born with or developed at an early age. That should be obvious from the absurdly small amount which could pay rent and utilities pretty much nowhere.

If that is the OP's case she should be in such. If she can ever live independently then she needs to get working on it. One cannot learn social cues sitting at home. One cannot lose weight sitting at home. One cannot become a good employee sitting at home.

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Profile   Post #: 123
RE: If I report that James lives with me, can they coun... - 2/23/2013 2:04:11 PM   
OdinsGlory


Posts: 1
Joined: 2/5/2009
Status: offline
She qualifies for SSI under the needs based assessment test in order to do that. A team of various medical experts review her medical records to determine if she meets the factors that grant a favorable decision in her case .

when someone that is unmarried and living in common they can be considered a couple it's called Holding out as a couple
As to her living condition if her and James aren't "holding themselves out as couple " then his income isn't a factor as a border or tenant of her father.
In a combined living situation SSA accepts most housemate situations as by law can't discriminate if it be same sex or opposite sex .The only time SSA can get into someones sexual life is if there is a child in common otherwise the right to privacy standards holds true .

Holding out is proven -if you answer 5 or more yes to these .Then james will be considered your holding out spouse his income is expected to be reported .

if couple introduce themselves as married

have joint accounts bank credit savings / tax filing as married filing separate if the other person is claimed as a dependant not blood related
mail addressed as mr and mrs mans last name

property is held in both names registered as tenants in common ,Death benefit mortgage contract on property meaning if one dies it is paid off for the other listed.

life insurance if other partner is to inherit or transfer of properties to the one on SSI

If family members ,Neighbors even close friends only know them as Mr and Mrs mans last name (if say a neighbor refers to you as his wife or he as your husband )and you don't correct them then it's assumed you are holding out by your own admission to neighbor friends family etc .Yes if a case is established they will send out a field officer and asks these questions to all listed it's policy .Now as to if the ones being asked will answer or be cooperative that is another manner but research will be conducted and can be used against you proving the case .You will also be able to request a fair hearing and challenge any findings a field officer claims.

and the last that has been added since social media if the profiles on facebook/my space any media site list themselves as husband and wife a case can be opened as a holding out relationship .

I suggest on your next review to let your case worker know you and James don't consider yourselves as a holding out couple .That can be added to your file so no misunderstandings will occur .Sometimes a neighbor will report fraud activity or even a friend you may have pissed off anyone can report a possible crime .Regardless the circumstances a file gets made and must be investigated so if that is in your file that will help prove your case .In some cases a file won't be flagged and nothing will become of the report if this already is in the file .


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Profile   Post #: 124
RE: If I report that James lives with me, can they coun... - 2/23/2013 2:05:02 PM   
littlewonder


Posts: 15659
Status: offline
quote:

ORIGINAL: LafayetteLady

In TFB's case, Social Security is already aware of the living situation with her parents, so it will be noted on the file. I have the same address as my landlord, but his house is the one below mine that is lakefront. He has the dock, I have the view. We both have the same address. When I first moved here, the UPS guy would walk down the 67 stairs to his front door and leave my package that I would have to walk down the 67 stairs to retrieve. Thankfully, I caught him one day and straightened things out, lol. But we do have the same address.


Funny. I have the same living situation here. Same address as landlord who lives in the front while I live in the cottage out back. Unfortunately all my packages go to him. I've told UPS and FeEx and UPS tons of times but they just ignore me except UPS and only because the guy who delivers my packages likes to talk the bullshit with me lol. I wish I could get the others to get on board. It's so friggin annoying.


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Profile   Post #: 125
RE: If I report that James lives with me, can they coun... - 2/23/2013 2:18:27 PM   
littlewonder


Posts: 15659
Status: offline 		I was just thinking, when I was on Social Security due to my husband's death and I had a minor, every year I was sent a form which I had to fill out and send back. The form asked for information such as if I remarried, child still living at home, additional income, anyone living or not living with me anymore, how much money of each paycheck has been allotted in savings, checking, or other types of accounts.

And if you didn't fill out a form and you didn't send it back, they stopped your payments.

Does SSI send you one of these? If so then you should be answering the questions honestly. Does someone else live with you? Yes. And then there is usually a space where they ask you to explain the details of the living situation. They check these statements against past statements to decide what should happen with your payments.

You said you get assessments which I assume are in person. If so do they ask this question or have a form that you are filling out that asks? If so then you have no answered truthfully or if you have, they don't care. If you did not answer truthfully then you are committing fraud.


< Message edited by littlewonder -- 2/23/2013 2:19:05 PM >

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RE: If I report that James lives with me, can they coun... - 2/23/2013 2:23:12 PM   
TheLilSquaw


Posts: 2340
Joined: 10/24/2012
From: Middle River, MD
Status: offline
quote:

ORIGINAL: littlewonder

.

Does SSI send you one of these? If so then you should be answering the questions honestly. Does someone else live with you? Yes. And then there is usually a space where they ask you to explain the details of the living situation. They check these statements against past statements to decide what should happen with your payments.

You said you get assessments which I assume are in person. If so do they ask this question or have a form that you are filling out that asks? If so then you have no answered truthfully or if you have, they don't care. If you did not answer truthfully then you are committing fraud.



SSI requires you to go into Social Security with proof of income, rent, who's living with you, ect periodically. They enter in the information into the system, print it out and you sign off on it saying it is truthful and correct.


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RE: If I report that James lives with me, can they coun... - 2/23/2013 2:24:28 PM   
AAkasha


Posts: 4429
Joined: 11/27/2004
Status: offline
quote:

ORIGINAL: TheLilSquaw

quote:

ORIGINAL: LafayetteLady

Not for nothing squaw, but do you report all your earnings as a fin domme to the government on your taxes? Because that is fraud you know.


Cash gifts are never considered income to the person receiving them, so I don't need to report cash gifts to the IRS. The person making them if they are over a certain amount must.

ETA: I've said it before I don't live off what I get from my finslaves. That isn't what pay my bills with and yes, I report my modeling work and video sales.



You may want to talk to your accountant about "gifts for consideration" when it comes to your finslaves.

Akasha

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Profile   Post #: 128
RE: If I report that James lives with me, can they coun... - 2/23/2013 2:26:31 PM   
Toppingfrmbottom


Posts: 6528
Joined: 6/7/2009
Status: offline 		I have no choice. One card wanted 50, one card wanted 50, one card wanted 40, one card wanted 25, one card wanted 35, on and on and on. You add that up and take into account credit card payments, regular bills and then then any oh shit that wasn't supposed to happen FIX IT FIX IT bills, and it's just about all I make.


And no they will not lower what I owe them. I have tried to find some way to get this load to be a bit lighter, maybe offer to settle, they won't settle, they won't lessen any of the amounts I owe them* and rightfully so* and they would not lower my apr, or interest or wave overage fee's which even if you're not spending money if you're near your CC limit an you get a 40 dollar interest fee and a 40 dollar payment fee an any other lil fees you get, then you're over your limit an they charge you for that. The only way to get any relief that i could see on my own was to join care one.

I joined care one to get help, and the least they will take from me is 300 dollars, and that pays EVERYONE and that was the only way the credit card companies would give me a break.


quote:

ORIGINAL: TheLilSquaw


Since I am the one that made that comment I am going to respond.

Should she pay back the debt she has built up?
Yes, but not in the amount that means you can't feed yourself which from her own posts is what is happening. There is also a difference in buying food and going out to eat or ordering in.




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Profile   Post #: 129
RE: If I report that James lives with me, can they coun... - 2/23/2013 2:28:44 PM   
Baroana


Posts: 1480
Joined: 11/13/2011
Status: offline
quote:

ORIGINAL: Toppingfrmbottom

I have no choice. One card wanted 50, one card wanted 50, one card wanted 40, one card wanted 25, one card wanted 35, on and on and on. You add that up and take into account credit card payments, regular bills and then then any oh shit that wasn't supposed to happen FIX IT FIX IT bills, and it's just about all I make.


And no they will not lower what I owe them. I have tried to find some way to get this load to be a bit lighter, maybe offer to settle, they won't settle, they won't lessen any of the amounts I owe them* and rightfully so* and they would not lower my apr, or interest or wave overage fee's which even if you're not spending money if you're near your CC limit an you get a 40 dollar interest fee and a 40 dollar payment fee an any other lil fees you get, then you're over your limit an they charge you for that. The only way to get any relief that i could see on my own was to join care one.

I joined care one to get help, and the least they will take from me is 300 dollars, and that pays EVERYONE and that was the only way the credit card companies would give me a break.


quote:

ORIGINAL: TheLilSquaw


Since I am the one that made that comment I am going to respond.

Should she pay back the debt she has built up?
Yes, but not in the amount that means you can't feed yourself which from her own posts is what is happening. There is also a difference in buying food and going out to eat or ordering in.






Well, hopefully Careone will fix your problems and not rip you off too much. How come you could not negotiate by yourself with the credit card companies? They are extremely willing to compromise when it comes to unsecured debt. Why not threaten to file bankruptcy (or actually do it)? You don't sound like you need a good credit profile for anything.

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RE: If I report that James lives with me, can they coun... - 2/23/2013 2:32:16 PM   
TheLilSquaw


Posts: 2340
Joined: 10/24/2012
From: Middle River, MD
Status: offline
quote:

ORIGINAL: Toppingfrmbottom

I have no choice. One card wanted 50, one card wanted 50, one card wanted 40, one card wanted 25, one card wanted 35, on and on and on. You add that up and take into account credit card payments, regular bills and then then any oh shit that wasn't supposed to happen FIX IT FIX IT bills, and it's just about all I make.


And no they will not lower what I owe them. I have tried to find some way to get this load to be a bit lighter, maybe offer to settle, they won't settle, they won't lessen any of the amounts I owe them* and rightfully so* and they would not lower my apr, or interest or wave overage fee's which even if you're not spending money if you're near your CC limit an you get a 40 dollar interest fee and a 40 dollar payment fee an any other lil fees you get, then you're over your limit an they charge you for that. The only way to get any relief that i could see on my own was to join care one.

I joined care one to get help, and the least they will take from me is 300 dollars, and that pays EVERYONE and that was the only way the credit card companies would give me a break.




You have no earned income. So they can't garnish your wages and can't touch your SSI. So you could tell them you have to send smaller payments because to do otherwise is a financial hardship to you. They may not like it but something is better than nothing.

But you are CHOOSING to pay those amounts on each of them.
Should you pay them down?
Yep but you also need to be able to live.



You already know this though from the thread you created regarding this VERY topic not to long ago.

ETA: Why not pay them down 1 at a time instead of trying to do them all at once on your limited income?




< Message edited by TheLilSquaw -- 2/23/2013 2:33:28 PM >

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(in reply to Toppingfrmbottom)
Profile   Post #: 131
RE: If I report that James lives with me, can they coun... - 2/23/2013 2:40:28 PM   
AAkasha


Posts: 4429
Joined: 11/27/2004
Status: offline
quote:

ORIGINAL: Baroana


quote:

ORIGINAL: Toppingfrmbottom

I have no choice. One card wanted 50, one card wanted 50, one card wanted 40, one card wanted 25, one card wanted 35, on and on and on. You add that up and take into account credit card payments, regular bills and then then any oh shit that wasn't supposed to happen FIX IT FIX IT bills, and it's just about all I make.


And no they will not lower what I owe them. I have tried to find some way to get this load to be a bit lighter, maybe offer to settle, they won't settle, they won't lessen any of the amounts I owe them* and rightfully so* and they would not lower my apr, or interest or wave overage fee's which even if you're not spending money if you're near your CC limit an you get a 40 dollar interest fee and a 40 dollar payment fee an any other lil fees you get, then you're over your limit an they charge you for that. The only way to get any relief that i could see on my own was to join care one.

I joined care one to get help, and the least they will take from me is 300 dollars, and that pays EVERYONE and that was the only way the credit card companies would give me a break.


quote:

ORIGINAL: TheLilSquaw


Since I am the one that made that comment I am going to respond.

Should she pay back the debt she has built up?
Yes, but not in the amount that means you can't feed yourself which from her own posts is what is happening. There is also a difference in buying food and going out to eat or ordering in.






Well, hopefully Careone will fix your problems and not rip you off too much. How come you could not negotiate by yourself with the credit card companies? They are extremely willing to compromise when it comes to unsecured debt. Why not threaten to file bankruptcy (or actually do it)? You don't sound like you need a good credit profile for anything.



How does someone without a job get all these credit cards?
Unless these are James' credit cards she is helping pay off?
In which case, this is the can of worms that needs to be fixed. She can't pay off HIS debt. It is also the trail that would lead to investigation to show they are mixing finances. Her benefits should go to paying her food and living expenses, not a bunch of CC debt of her "roommate". She should never, under any circumstance, have her benefits go to his CC debt and leave that papertrail.

Nor should she do that financially. He needs to pay for his own mistakes.



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Profile   Post #: 132
RE: If I report that James lives with me, can they coun... - 2/23/2013 2:48:40 PM   
TheLilSquaw


Posts: 2340
Joined: 10/24/2012
From: Middle River, MD
Status: offline
quote:

ORIGINAL: AAkasha




How does someone without a job get all these credit cards?
Unless these are James' credit cards she is helping pay off?
In which case, this is the can of worms that needs to be fixed. She can't pay off HIS debt. It is also the trail that would lead to investigation to show they are mixing finances. Her benefits should go to paying her food and living expenses, not a bunch of CC debt of her "roommate". She should never, under any circumstance, have her benefits go to his CC debt and leave that papertrail.

Nor should she do that financially. He needs to pay for his own mistakes.




According to her these are her CC debts, he has his own.
She posted not long ago asking for advice on what CC Companies could do to her. She went into great detail about it and got a lot of advice. Since then she has stated she used other CC to pay for things she couldn't afford.

< Message edited by TheLilSquaw -- 2/23/2013 2:50:44 PM >

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Profile   Post #: 133
RE: If I report that James lives with me, can they coun... - 2/23/2013 3:04:28 PM   
littlewonder


Posts: 15659
Status: offline 		I guess I'm also wondering how one gets all these credit cards with no job and so very little income and bad credit to begin with from the other cards. I'm always amazed how that happens. It just boggles the mind. Are cards really this easy to get even with bad credit? I don't know because I don't apply for them and I don't have any and have no desire to have any.


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Profile   Post #: 134
RE: If I report that James lives with me, can they coun... - 2/23/2013 3:06:05 PM   
Baroana


Posts: 1480
Joined: 11/13/2011
Status: offline
quote:

ORIGINAL: littlewonder

I guess I'm also wondering how one gets all these credit cards with no job and so very little income and bad credit to begin with from the other cards. I'm always amazed how that happens. It just boggles the mind. Are cards really this easy to get even with bad credit? I don't know because I don't apply for them and I don't have any and have no desire to have any.




Yes. The law, for whatever reason, allows them to charge loan shark interest rates. As a result, they can make such a profit that the inevitable write-offs are just a small cost of doing business.

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Profile   Post #: 135
RE: If I report that James lives with me, can they coun... - 2/23/2013 3:44:51 PM   
Toppingfrmbottom


Posts: 6528
Joined: 6/7/2009
Status: offline 		And people who are disabled and can't work. And have no access to other income, which is me. I have been reviewed and judged and found as being disabled and un able to work.


quote:

ORIGINAL: DomKen

FR

SSI is not meant for someone to live on independently for life. It is meant mostly for people who live in group homes and the like due to conditions they were born with or developed at an early age. That should be obvious from the absurdly small amount which could pay rent and utilities pretty much nowhere.

If that is the OP's case she should be in such. If she can ever live independently then she needs to get working on it. One cannot learn social cues sitting at home. One cannot lose weight sitting at home. One cannot become a good employee sitting at home.


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Profile   Post #: 136
RE: If I report that James lives with me, can they coun... - 2/23/2013 3:48:31 PM   
LadyPact


Posts: 32566
Status: offline
quote:

ORIGINAL: AAkasha

How does someone without a job get all these credit cards?
Unless these are James' credit cards she is helping pay off?
In which case, this is the can of worms that needs to be fixed. She can't pay off HIS debt. It is also the trail that would lead to investigation to show they are mixing finances. Her benefits should go to paying her food and living expenses, not a bunch of CC debt of her "roommate". She should never, under any circumstance, have her benefits go to his CC debt and leave that papertrail.

Nor should she do that financially. He needs to pay for his own mistakes.


Hello Aakasha.

CC companies do not have to base a person's income based on employment. It is based on any and all income that a person receives. That includes benefits, child support payments, and any other funds that a person claims. (Credit card companies will tell you that you don't have to report child support payments if you do not want to.) These types of credit offers are usually geared with a high APR and are the ones that have stipulations that, if you default, they can often go after any other person who is authorized to use the card or a family member in case of the card recipient's demise. It's one of the skankiest, legal business transactions going. Often, these are the companies that target senior citizens because through loopholes, they can attach the debt to the off-spring. When they can't, they can often use banking policies to get paid off.

What they won't tell you is that income from benefits, child support, and welfare can be the TOUGHEST legal recourse the company has to recapture the debt. This stuff about 'we'll only take 50 bucks a month' is bullshit. As long as a person is sending what is commonly known as good will payments, there really isn't shit they can do but call the home phone and be annoying.



_____________________________

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Beach Ball Sized Lady Nuts. ~ TWD

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Please do not send me email here. Unless I know you, I will delete the email unread

(in reply to AAkasha)
Profile   Post #: 137
RE: If I report that James lives with me, can they coun... - 2/23/2013 3:49:38 PM   
Toppingfrmbottom


Posts: 6528
Joined: 6/7/2009
Status: offline 		The Sacramento SSI law layer said that the state of California does not recognize the common law thing, and can not treat us as married, no matter how long or how little we have been bf and gf, and we don't claim ourselves as married, nor do we pay taxes together, nor is my name on any of his documents pertaining to himself.

I am going to call Monday and tell them that my dad has asked my boyfriend to come live with us in 9 months, and since his income only amounts to 300 dollars, how will it afect me.
quote:

ORIGINAL: OdinsGlory



when someone that is unmarried and living in common they can be considered a couple it's called Holding out as a couple

I suggest on your next review to let your case worker know you and James don't consider yourselves as a holding out couple .That can be added to your file so no misunderstandings will occur .Sometimes a neighbor will report fraud activity or even a friend you may have pissed off anyone can report a possible crime .Regardless the circumstances a file gets made and must be investigated so if that is in your file that will help prove your case .In some cases a file won't be flagged and nothing will become of the report if this already is in the file .



quote:

a couple it's called Holding ou


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Profile   Post #: 138
RE: If I report that James lives with me, can they coun... - 2/23/2013 3:57:54 PM   
Toppingfrmbottom


Posts: 6528
Joined: 6/7/2009
Status: offline 		Now you assume I have bad credit. I don't my credit is excellent. Credit card companies fall all over themselves to give me offers. They kept sending me great news you're pre approved letters, i kept filling them out and kept sending away. I never missed payments or it was extremely rare that i did , i never defaulted I was next to never never over my limits, * until recently when fee's pushed me over*I paid them on time.



I am in good standing and I have been ever since I opened them. It's just getting harder and harder to see how I can pay them off in any kind of timely manner because the interest and how high some of the balances have gotten.



quote:

ORIGINAL: littlewonder

I guess I'm also wondering how one gets all these credit cards with no job and so very little income and bad credit to begin with from the other cards. I'm always amazed how that happens. It just boggles the mind. Are cards really this easy to get even with bad credit? I don't know because I don't apply for them and I don't have any and have no desire to have any.


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(in reply to littlewonder)
Profile   Post #: 139
RE: If I report that James lives with me, can they coun... - 2/23/2013 4:15:01 PM   
erieangel


Posts: 2237
Joined: 6/19/2011
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quote:

The OP isn't necessarily making a choice to do what's easier and safer, by the way. I think most people can sense on some level that giving up is a bleak, dangerous place to be in, far from easy. Don't you see it's actually easier to have those friends and all that support?? And as humans, not all of our reactions to rejection are conscious choices. Our brains respond to things in ways that go beyond our conscious decision making functions. It is a wholly normal and human response to repeated rejection to withdraw. There are tools to help her (like the therapy which you suggested isn't actually useful!!) but simplifying the intensity of her pain is not one of them, in my experience.






(in reply to JustDragonflies)
Profile   Post #: 140
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