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debt cancellation due to disability?

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disabled doll

Junior Member
What is the name of your state? New York

i am presently awaiting a heart/lung transplant and defaulted on some credit card debt from years ago less than $1000, due to interest the amount has ballooned, is there any way to cancel the debt due to disability?

Debt Guy

Senior Member
Unfortunately, I know of no legal requirement for cancellation of a debt because of a disability.

You can write a letter to the creditor, explain your situation and as for a hardship reduction of the balance to zero. I would also attach a letter from your doctor and your social worker (if you have one). They might agree.

If they don't agree, then there may not be much they can do anyway. I am assuming that you have no income and no assets. If that is the case, they can sue but this is nothing to attach. However, if you have income or assets, then you would want to be concerned. Even then, some types of income and assets cannot be attached.

Email me directly if you want some specific guidance on your situation. [email protected].

Good luck to you.


Senior Member
The next question is how long ago did you stop paying ?? 'years ago' is pretty vague and it DOES matter. If its less than 6 years, then the SOL is not up, if its 6 years or more, you have even less to fear from debt collectors.


Senior Member
If its credit card debt and written contracts, the SOL in NY is 6 years. If you haven't paid on any of these debts in 8 years, you can pretty safely send ANY collection agency a cease and desist letter telling them to get bent, the debt is time-barred. IF you get sued, and its unlikely after 8 years, you have the expired SOL as your affirmative defense to get it thrown out.

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