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Do you have debt you can't afford to pay?

Are You Receiving Social Security, Pension or Disability Income?


HELPS is a nonprofit law firm and 501(c)(3) charitable organization. We serve senior citizens and disabled persons struggling with debt.

Call HELPS now to learn how your retirement income is protected by law and how we can help.

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Need immediate help? Call 855-435-7787 to speak to a HELPS representative.

Calming Your Worries

How To Overcome The Fear Of Remote Possibilities

Are you worried that when you walk out the front door you will get hit by a meteorite? Of course not. But it is possible to be hit by a meteorite – just beyond the realm of likelihood. Or do you worry that you’ll get hit by a drunk driver next Wednesday at 10 in the morning while driving to Circle K? Of course you don’t. Again, it would be possible, just extremely unlikely. In fact, these two scenarios are so unlikely that we don’t worry about them, let alone allow them to affect our decisions.

Unfortunately, though, some attorneys and so-called “experts” give advice to seniors about potential problems that are about as likely as being hit by a meteorite. These attorneys regularly give advice without explaining the absolutely minimal odds of the problem ever taking place. Often when seniors aren’t advised about the unlikeliness of a risk, they worry that the problem might, in fact, arise. And then they make financial decisions based on that unreasonable worry – decisions that cost them money they need for their basic living expenses.

Why would an attorney withhold information? Often, they benefit financially. They salve their conscious by thinking what they say is true – a meteorite could hit or a drunk driving accident could happen next Wednesday morning. However, they never explain the unlikeliness of the event. They do not give the senior all the facts, either intentionally or out of ignorance.

I talk to seniors all the time who are worried about being hit by a financial meteorite; they read that this problem or that problem could happen. I explain the extreme odds of such a problem ever arising, and, even in the unlikely event that it does, we will always see the meteorite coming and can move out of the way ahead of time.

One of the most common things we tell seniors here at HELPS is “You will be fine. There is nothing to worry about. And in the highly unlikely event there is a problem, we will know what to do. So please don’t worry. And if you ever do, call us and we’ll go over it again. We would rather you call us and be assured than for you to be at home worried.”

And we mean it.

Learn More About Other Issues and What HELPS Can Do For You.

Peace of Mind
These HELPS clients were dealing with harassing debt collectors and anxiety over old Debt. HELPS provided a solution to their financial worries.