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Is Your Adult Child Leading You To Bankruptcy?

Generosity has limits, as many older Americans in financial straits are finding out.

No matter their age, parents continue to feel a responsibility for their children. That’s understandable, especially since the Great Recession has taken a toll and prompted millions in layoffs that have devastated families and forced many from their homes and apartments and into bankruptcy.

But, unfortunately, that economic downturn is taking an unexpected toll as well on many older Americans through no fault of their own except for their continuing generosity. When people in this demographic should be stashing extra money for their retirement or already enjoying their retirement in a home that’s already paid for, a growing number are filing for bankruptcy and losing their homes to foreclosure because they think they’re being good parents or grandparents.

That’s the experience of Los Angeles attorney Leon Bayer, a bankruptcy attorney and author whose practiced law for 34 years. In 2013, he co-authored two books: The New Bankruptcy and The Human Guide To Bankruptcy as well as authoring Foreclosure Survival Guide (www.bankruptcyblogger.org).

Bayer says 75 percent of the bankruptcy cases he handles for older Americans aren’t of their own doing for mismanaging their finances or unexpected expenses. Instead, he says it’s a result of parents helping their own adult children, some who are approaching 50. In some cases, the parents abandon their children with grandparents, he says.

A lot of times they’re victimized by their adult children who convince them to borrow money against the home and give it to them to start a business, only to lose the money. They get talked into co-signing loans for cars that get repossessed. They get sued and are dismayed that they have to pay for it, not knowing what a co-signer means.

The problem, Bayer says, is the parent uses their credit for children or family member they’ve known their whole life and many of them haven’t been successful or even hold down a job. They help the person out of guilt, and know they’re being victimized before they act, he says.

It’s a hard reality when it comes to losing a house because an adult son or daughter who lives there pays no rent and you’re covering the grocery bills, utility bills and mortgage. They’re not contributing but sponging off you. Why do you do it? It’s mostly psychological. Parents feel they maybe failed their child because they didn’t give their son or daughter the right values or they didn’t mold that person into a working and contributing adult. There are a lot of factors, but guilt plays into it.

Research recently released by UCLA and the Insight Center for Community Economic Development backs up what Bayer has seen in his offices. They reported that hundreds of thousands of adults have returned to the homes of their parents, many who are retired and living on fixed incomes.

The study says 433,000 people aged 65 and older took in nearly 600,000 adult children, only of which 42 percent were employed. That’s putting pressure on the parents to not only house them but to feed them and provide medical care and transportation. That’s costing the parents to spend two-and-a-half times more a year than they would otherwise, the study says.

As for the 25 percent of cases he handles that haven’t involved children moving into homes, Bayer says it’s because many haven’t saved enough for retirement and Social Security isn’t enough to take care of their everyday living expenses.

These older folks rely on credit cards to make up for the shortage in income and that gets them in trouble, Bayer says. Rarely, are those filing for bankruptcy due so for medical bills among those older in his experience, he says.

Bankruptcy is not age sensitive,” Bayer says. “The oldest client I’ve had recently is 98 years old. He’s a wonderful man who’s mentally fit and plays golf once a week. He had $35,000 to $40,000 in credit card debt.

But Bayer says there are advantages to filing for bankruptcy for older Americans, especially when it comes to filing for Chapter 7 protection to wipe out credit card debt without having to make a payment, he says.

The new laws on eligibility compare income to debt and living expenses, and it doesn’t count Social Security in that formula,” Bayer says. “That makes it easier to file for bankruptcy than younger counterparts.

The laws for who gets to keep more of their assets is more generous for older people. In California where he practices, those 65 and older can keep up to $175,000 in equity in their homes compared to $100,000 for others no matter how much debt they owe, Bayer says. For those 55 and older and have less than $20,000 a year in income, they qualify for the $175,000 in equity, he says.

Other states allow people to keep less in equity while California and Texas allowed an unlimited amount.

Many of these people are frustrated with what they’re facing, but a home can’t be used as a piggy bank no matter the reason, Bayer says. They say they can’t bear to leave their homes of more than 30 years but a house payment of $3,000 a month is quite different than the $280 a month payment they made 38 years ago.

No matter how they got into financial trouble, Bayer says many older Americans feel isolated and ashamed and hold off on seeking advice. They may not have to file for bankruptcy, and if they do it alleviates pressure from creditors that they’re dealing with, he says.

They may be getting their pockets picked by adult children, but it doesn’t mean they fall into the pit of needing to file for bankruptcy,” Bayer says. “It’s for those who run out of credit because their children sucked the equity out of the parents home.

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    Then a third angel followed them, saying with a loud voice, “If anyone worships the beast and his image, and receives his mark on his forehead or on his hand, he himself shall also drink of the wine of the wrath of God, which is poured out full strength into the cup of His indignation. He shall be tormented with fire and brimstone in the presence of the holy angels and in the presence of the Lamb. And the smoke of their torment ascends forever and ever; and they have no rest day or night, who worship the beast and his image, and whoever receives the mark of his name.” (Revelation 14:9-11).

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    The Jewish people deny Jesus as their Messiah and have stated that their Messiah has been identified and is waiting to be revealed. They say this man will rule the world under a one world religion called “spiritualism”.

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    The Bible says this false Messiah who seats himself in the Third Temple will be thee antichrist that will bring about the Great Tribulation, though the Jewish people believe he will bring about world peace. It will be a false peace for a period of time. You can watch interviews of Jewish Rabbi’s in Israel speaking of these things. They have their plans set in place. It is only years away!

    More importantly, the power that runs the world wants to put a RFID microchip in our body making us total slaves to them. This chip matches perfectly with the Mark of the Beast in the Bible, more specifically Revelation 13:16-18:

    He causes all, both small and great, rich and poor, free and slave, to receive a mark on their right hand or on their foreheads, and that no one may buy or sell except one who has the mark or the name of the beast, or the number of his name.

    Here is wisdom. Let him who has understanding calculate the number of the beast, for it is the number of a man: His number is 666.

    Referring to the last days, this could only be speaking of a cashless society, which we have yet to see, but are heading towards. Otherwise, we could still buy or sell without the mark amongst others if physical money was still currency. RFID microchip implant technology will be the future of a one world cashless society containing digital currency. It will be implanted in the right-hand or the forehead, and we cannot buy or sell without it! We must grow strong in Jesus. AT ALL COSTS, DO NOT TAKE IT!

    Then a third angel followed them, saying with a loud voice, “If anyone worships the beast and his image, and receives his mark on his forehead or on his hand, he himself shall also drink of the wine of the wrath of God, which is poured out full strength into the cup of His indignation. He shall be tormented with fire and brimstone in the presence of the holy angels and in the presence of the Lamb. And the smoke of their torment ascends forever and ever; and they have no rest day or night, who worship the beast and his image, and whoever receives the mark of his name.” (Revelation 14:9-11).

    People have been saying the end is coming for many years, but we need two key things. One, the Third Temple, and two, the technology for a cashless society to fulfill the prophecy of the Mark of the Beast.

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    In December of 2017, Donald Trump made history by recognizing Jerusalem as the captial of Israel. Why is this big news? Because by this the Jewish people of Israel are now able to press forward in bringing about the Third Temple prophesied in the Bible.

    The Jewish people deny Jesus as their Messiah and have stated that their Messiah has been identified and is waiting to be revealed. They say this man will rule the world under a one world religion called “spiritualism”.

    They even printed a coin to raise money for the Temple with Donald Trumps face on the front and with king Cyrus'(who built the second Temple) behind him. On the back of the coin is an image of the third Temple.

    The Bible says this false Messiah who seats himself in the Third Temple will be thee antichrist that will bring about the Great Tribulation, though the Jewish people believe he will bring about world peace. It will be a false peace for a period of time. You can watch interviews of Jewish Rabbi’s in Israel speaking of these things. They have their plans set in place. It is only years away!

    More importantly, the power that runs the world wants to put a RFID microchip in our body making us total slaves to them. This chip matches perfectly with the Mark of the Beast in the Bible, more specifically Revelation 13:16-18:

    He causes all, both small and great, rich and poor, free and slave, to receive a mark on their right hand or on their foreheads, and that no one may buy or sell except one who has the mark or the name of the beast, or the number of his name.

    Here is wisdom. Let him who has understanding calculate the number of the beast, for it is the number of a man: His number is 666.

    Referring to the last days, this could only be speaking of a cashless society, which we have yet to see, but are heading towards. Otherwise, we could still buy or sell without the mark amongst others if physical money was still currency. RFID microchip implant technology will be the future of a one world cashless society containing digital currency. It will be implanted in the right-hand or the forehead, and we cannot buy or sell without it! We must grow strong in Jesus. AT ALL COSTS, DO NOT TAKE IT!

    Then a third angel followed them, saying with a loud voice, “If anyone worships the beast and his image, and receives his mark on his forehead or on his hand, he himself shall also drink of the wine of the wrath of God, which is poured out full strength into the cup of His indignation. He shall be tormented with fire and brimstone in the presence of the holy angels and in the presence of the Lamb. And the smoke of their torment ascends forever and ever; and they have no rest day or night, who worship the beast and his image, and whoever receives the mark of his name.” (Revelation 14:9-11).

    People have been saying the end is coming for many years, but we need two key things. One, the Third Temple, and two, the technology for a cashless society to fulfill the prophecy of the Mark of the Beast.

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    I want to pass along some very important news that everyone needs to hear!

    In December of 2017, Donald Trump made history by recognizing Jerusalem as the captial of Israel. Why is this big news? Because by this the Jewish people of Israel are now able to press forward in bringing about the Third Temple prophesied in the Bible.

    The Jewish people deny Jesus as their Messiah and have stated that their Messiah has been identified and is waiting to be revealed. They say this man will rule the world under a one world religion called “spiritualism”.

    They even printed a coin to raise money for the Temple with Donald Trumps face on the front and with king Cyrus'(who built the second Temple) behind him. On the back of the coin is an image of the third Temple.

    The Bible says this false Messiah who seats himself in the Third Temple will be thee antichrist that will bring about the Great Tribulation, though the Jewish people believe he will bring about world peace. It will be a false peace for a period of time. You can watch interviews of Jewish Rabbi’s in Israel speaking of these things. They have their plans set in place. It is only years away!

    More importantly, the power that runs the world wants to put a RFID microchip in our body making us total slaves to them. This chip matches perfectly with the Mark of the Beast in the Bible, more specifically Revelation 13:16-18:

    He causes all, both small and great, rich and poor, free and slave, to receive a mark on their right hand or on their foreheads, and that no one may buy or sell except one who has the mark or the name of the beast, or the number of his name.

    Here is wisdom. Let him who has understanding calculate the number of the beast, for it is the number of a man: His number is 666.

    Referring to the last days, this could only be speaking of a cashless society, which we have yet to see, but are heading towards. Otherwise, we could still buy or sell without the mark amongst others if physical money was still currency. RFID microchip implant technology will be the future of a one world cashless society containing digital currency. It will be implanted in the right-hand or the forehead, and we cannot buy or sell without it! We must grow strong in Jesus. AT ALL COSTS, DO NOT TAKE IT!

    Then a third angel followed them, saying with a loud voice, “If anyone worships the beast and his image, and receives his mark on his forehead or on his hand, he himself shall also drink of the wine of the wrath of God, which is poured out full strength into the cup of His indignation. He shall be tormented with fire and brimstone in the presence of the holy angels and in the presence of the Lamb. And the smoke of their torment ascends forever and ever; and they have no rest day or night, who worship the beast and his image, and whoever receives the mark of his name.” (Revelation 14:9-11).

    People have been saying the end is coming for many years, but we need two key things. One, the Third Temple, and two, the technology for a cashless society to fulfill the prophecy of the Mark of the Beast.

    VISIT http://WWW.BIBLEFREEDOM.COM TO SEE PROOF FOR THESE THINGS AND MUCH MORE! TELL YOUR FRIENDS AND FAMILY. SHARE THIS MESSAGE!

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  81. Hey, how’s it going?

    I want to pass along some very important news that everyone needs to hear!

    In December of 2017, Donald Trump made history by recognizing Jerusalem as the captial of Israel. Why is this big news? Because by this the Jewish people of Israel are now able to press forward in bringing about the Third Temple prophesied in the Bible.

    The Jewish people deny Jesus as their Messiah and have stated that their Messiah has been identified and is waiting to be revealed. They say this man will rule the world under a one world religion called “spiritualism”.

    They even printed a coin to raise money for the Temple with Donald Trumps face on the front and with king Cyrus'(who built the second Temple) behind him. On the back of the coin is an image of the third Temple.

    The Bible says this false Messiah who seats himself in the Third Temple will be thee antichrist that will bring about the Great Tribulation, though the Jewish people believe he will bring about world peace. It will be a false peace for a period of time. You can watch interviews of Jewish Rabbi’s in Israel speaking of these things. They have their plans set in place. It is only years away!

    More importantly, the power that runs the world wants to put a RFID microchip in our body making us total slaves to them. This chip matches perfectly with the Mark of the Beast in the Bible, more specifically Revelation 13:16-18:

    He causes all, both small and great, rich and poor, free and slave, to receive a mark on their right hand or on their foreheads, and that no one may buy or sell except one who has the mark or the name of the beast, or the number of his name.

    Here is wisdom. Let him who has understanding calculate the number of the beast, for it is the number of a man: His number is 666.

    Referring to the last days, this could only be speaking of a cashless society, which we have yet to see, but are heading towards. Otherwise, we could still buy or sell without the mark amongst others if physical money was still currency. RFID microchip implant technology will be the future of a one world cashless society containing digital currency. It will be implanted in the right-hand or the forehead, and we cannot buy or sell without it! We must grow strong in Jesus. AT ALL COSTS, DO NOT TAKE IT!

    Then a third angel followed them, saying with a loud voice, “If anyone worships the beast and his image, and receives his mark on his forehead or on his hand, he himself shall also drink of the wine of the wrath of God, which is poured out full strength into the cup of His indignation. He shall be tormented with fire and brimstone in the presence of the holy angels and in the presence of the Lamb. And the smoke of their torment ascends forever and ever; and they have no rest day or night, who worship the beast and his image, and whoever receives the mark of his name.” (Revelation 14:9-11).

    People have been saying the end is coming for many years, but we need two key things. One, the Third Temple, and two, the technology for a cashless society to fulfill the prophecy of the Mark of the Beast.

    VISIT http://WWW.BIBLEFREEDOM.COM TO SEE PROOF FOR THESE THINGS AND MUCH MORE! TELL YOUR FRIENDS AND FAMILY. SHARE THIS MESSAGE!

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