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    Can You Stop Social Security Benefits if You Decide to Return to Work?

    Last updated 2 months ago

    Whether you have been injured at work or have reached the minimum age of retirement in the U.S., Social Security benefits can help you live comfortably while you are out of work. But what if you are receiving Social Security benefits and want them to stop? Perhaps you’ve recovered from a work-related injury and are ready to return to work, or maybe retirement just isn’t as much fun as you expected. Either way, you can stop Social Security benefits if you decide to return to work—and doing so can qualify you for larger benefits at a later date. You will need to fill out Form SSA-521 to withdraw your application for Social Security benefits. You may also need to re-pay all of the benefits you have received. 

    To learn more about stopping Social Security benefits, contact the attorneys at Dixon & Johnston, P.C. right away. We specialize in Social Security Disability benefits, in particular helping people who have been denied those benefits. If you have questions about Social Security law, contact us today by calling (618) 207-3770. 

    Is Chapter 13 Bankruptcy Right for You?

    Last updated 2 months ago

    Chapter 13 bankruptcy is a reorganization of debt for individuals and families who have a regular income. Chapter 13 bankruptcy allows you to repay your creditors over a period of time, and it allows you to keep your home and your vehicles even if you have become delinquent on your loan payments. Filing for Chapter 13 bankruptcy can be fairly complicated, so seek legal counsel before proceeding on your own. To learn more about Chapter 13 bankruptcy, watch this short video clip. 

    If you are struggling to pay your debt obligations, contact Dixon & Johnston, P.C. We are a debt relief agency, and our accomplished bankruptcy attorneys can help you regain control of your finances. To schedule your free initial consultation, contact us today by calling (618) 207-3770. 

    What Happens When You Declare Bankruptcy?

    Last updated 2 months ago

    If you are facing growing debt, you may reach a juncture at which you can no longer afford to pay back your creditors, support your family, and live comfortably all at the same time. Good people just like you get into debt trouble all the time. Fortunately, bankruptcy is an option that can help you start over and get your finances back in order. Bankruptcy isn’t right for everyone, so speak with a bankruptcy attorney to determine if it is the right step for your family. To help get you started, here is a look at what happens if and when you declare bankruptcy.

    Stops All Collection Activity

    First and foremost, when you declare bankruptcy, you will be issued an automatic stay order by the court. An automatic stay order requires creditors to cease any collection activity against you. This means no more harassing phone calls from creditors or third-party collection agencies.

    Allows You to Keep Your Home

    If you are a homeowner, declaring bankruptcy will allow you to keep your home while you get your finances back on track. When you declare Chapter 7 bankruptcy, you may enter into a reaffirmation agreement with your mortgage lender. This agreement allows you to keep your home, provided you continue to make mortgage payments in the future. If you file for Chapter 13 bankruptcy, your mortgage will be included in the court-monitored repayment plan.

    Frees You From Your Debt Obligations

    When you declare Chapter 7 bankruptcy, you will obtain a release from most of your debt obligations. Under Chapter 13, you will be able to pay off most of your debts for a significantly reduced price. The result is that you will save thousands of dollars and get on the path towards financial independence sooner than you imagined.

    If you have fallen on hard financial times, contact the bankruptcy attorneys at Dixon & Johnston, P.C. We are a debt relief agency that helps people file for bankruptcy relief under the Bankruptcy Code of the United States. Contact us online or call us at (618) 207-3770 to schedule your free initial consultation with one of our accomplished bankruptcy attorneys today. 

    Advice for Boosting Your Social Security Benefits

    Last updated 2 months ago

    A vast majority of retired Americans rely on Social Security benefits for the bulk of their monthly income. And yet, according to a recent survey conducted by the financial research group at the BMO Retirement Institute, the majority of U.S. citizens are unaware of how to maximize their Social Security benefits. To help you get the most during your golden years, here are some tips for boosting your social security benefits.

    Wait to Start Collecting

    Although you can start collecting Social Security benefits at age 62, this is several years before the cut-off for receiving full benefits, known as the “full retirement age” (FRA). Waiting to file until you reach FRA may boost your lifetime Social Security benefit amount by as much as $25,000 if you live to be at least 85 years old. If you live to reach age 90 or older, this amount jumps to $61,000, according to the report by the BMO Retirement Institute.

    Work with Your Spouse

    If you are married, there are multiple ways to boost your Social Security benefits. For one, filing and then suspending your benefits (assuming you are the highest earner) will allow your partner to collect a “spousal benefit” of up to 50 percent of your monthly Social Security benefits. Of course, if you need money, but you don’t want to cash out both your and your spouse’s policy at the same time, have one person file for full benefits and piggyback off that income until the other person reaches FRA.  

    Social Security law can be complex, especially if you are trying to obtain Social Security Disability or Supplemental Security Income. If you want help, the Social Security lawyers at Dixon & Johnston, P.C. can help. Visit our website to learn more about our practice areas, or call us at (618) 207-3770 to schedule your free initial consultation with one of our Social Security attorneys.  

    Time Limits for Workers' Compensation Claims In Pennsylvania

    Last updated 2 months ago

    It can be challenging for individuals to successfully win workers’ compensation claims in Pennsylvania, due to the strict requirements. By working with an attorney, you can ensure that your claim will be filed in a timely manner. In Pennsylvania, no compensation can be paid until notice is given, unless your employer already knows about the injury or you give notice to the employer within 21 days of the incident.

    Notice can be given no later than 120 days following the incident. Should a claim be made after that date, it is likely to be denied. If your initial request for compensation is denied, you can file a claim petition within three years of the date of the incident. If you are filing a claim for occupational disease or injury, the disability must have occurred within 300 weeks of your last date of employment, and you must file the petition within three years of the initial injury or disability.

    At Dixon & Johnston, P.C., our disability attorneys can help you successfully navigate the complex regulations and filing procedures to obtain workers’ compensation. Schedule a consultation with one of our disability attorneys in Belleville by giving us a call at (618) 207-3770.

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