Most states protect seniors in debt from losing their possessions. Why doesn't Utah?

Most states have a law that helps to protect elderly debtors from losing their most cherished possessions. Utah doesn't. A BYU grad who helps seniors deal with debt collectors wants to know why.

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  • katy Salt Lake City, UT
    July 20, 2019 8:28 a.m.

    Let us not forget that our State as well as others states have no money of their own. It is the citizens of Utah that take the hit. There are folks that incur terrible medical bills through no fault of their own although some choose not to pay insurance premiums . We'd like to spend the money we use for premiums (certainly not cheap anymore) but we choose to be responsible.

    As far as other seniors not most, but many have squandered their money on traveling, buying expensive homes and cars , etc. When retirement comes, they haven't saved their money to help with costs of living. Social Security was never to be our only source of income.

    We can't continue to pay for others mishandling of money.

  • Meckofahess Salt Lake City, UT
    July 16, 2019 4:38 p.m.

    I certainly would need more information and to hear from Utah political leaders to explain Utah's laws in order to come to a conclusion, but, it sounds like Utah's laws may be outdated if not barbaric so I would urge citizens to write to their elected state representatives and demand some answers about why Utah's laws are so "peculiar" in this arena.

  • RedShirtHarvard Cambridge, MA
    July 11, 2019 8:32 a.m.

    To "NeifyT" you missed the point where I said you did not read the articles that I REFERENCED.

    Yes a doctor's office may be paid $250/hr, but that money does not all go to the doctor's pocket. A nurse is easily taking up $75/hr for salary, benefits, and other mandated items. The billing/scheduling person could be taking up another $15/hr (they are being paid much more, but multiple patients can be seen in an hour, spreading out the cost). Then you have the cost of renting office space. There is always the malpractice insurance that can run anywhere from $60,000 per year to $300,000 per year. You also have supplies and other consumable items necessary for an office to run.

    When you get down to it, out of the $250/hr the doctor himself may get less than $50/hr.

    If you are so highly skilled, why do you make so little? I have known programmers that make double or triple what you make that have disabilities that prevent them from going into an office 90% of the time. The there are the programmers that I know that work from home on their own schedule. The really interesting ones are the programmers that do freelance work at all sorts of hours. You could be earning more.

  • Misseleer71 Salt Lake City, UT
    July 11, 2019 1:46 a.m.

    Why is all this debts seniors have focused in medical debt? There are hundreds of kinds of debt and medical is the most corrupted and criminal of all debts even for healthy children who may suffer some chronic diseases. Medical debt is considered a different kind of debt because its cost are not controlled or monitored or held in control by any state or federal agency. Financial debts have rules and regulations on interest, cost of products, and distribution of products and profits.

    Medical debts are intangible debt where nothing is regulated or under control by any consumer organizations and is the reason we have to destroy the ACA and all forms of socialized health care under any government control or financing plans and policies. Government controlled medical spending is fraudulent, false, and grossly abuse by all medical corporations because there is no limits on what you can be charged for any services. The medical industry has lost all its experienced Doctors and nurses because this profession has been put on the chopping block to destroy the credibility of medical care individuals for a computer generated system where every illness has become a deadly risk.

  • mrjj69 Bountiful, UT
    July 10, 2019 9:19 p.m.

    this lack of consumer protection gives this state a black eye. shameful.

  • BestSolutions Orem, UT
    July 10, 2019 3:37 p.m.

    We need Medicare for all, we need a single payer system, then the doctors and hospitals, dentists, etc. will negotiate with the government as to what they can charge because the government will be paying the bill. People can still go to their own physician or dentist, that won't change, but the system will be more focused on helping people stay healthy with preventative care. The opium situation will disappear because the profit incentive will be gone. The reason the health care system is the monster it has become is because we have made it possible for huge amount of money to be charged and collected by hospitals, doctors, etc. Every hospital stay generates about 10 to 15 different bills, everyone wants a big slice of the pie and the poor person is left with tons of debt. Every other first world country has a medicare for all system but the US is controlled by the medical lobbyists who want the American people to continue to be robbed.

  • NeifyT Salt Lake City, UT
    July 10, 2019 3:11 p.m.


    Further, any doctor who accepts medicare patients gets paid TONS!!!!

    My wife is on medicare for disability; and so I see the doctors bill. The cheapest they get paid BY MEDICARE is $250 per hour (about $60 per claim for a 5 to 15 minute visit). That is what is being paid to the doctors by medicare. The doctors charge far more than that.

    If they are getting paid $250 per hour; they are making tons of money; there is no need for them to be filing bankruptcy. And that is on the LOW SIDE. The surgeries my wife has had; Medicare paid out roughly $4,800 for a four hour surgery; and I had to pay another $1,200 out of pocket. That is $1,500 per hour is how much he got PAID! Of course he charged well over $20,000 for the surgery. And that DOESN'T include what the hospital charged we got many bills for the exact same service (apparently anyone who has a hand in a service gets to bill anything they want). Doctors are EXTREMELY RICH, even those being paid by Medicare.

  • SeeBothSides Sandy, UT
    July 10, 2019 3:12 p.m.

    No matter what side you are on, see the other sides. It's a sad situation all around. Unless more people are willing to voluntarily help the senior citizens who need real help with their debt problems in their retirement years, it's going to be an ongoing problem, and it's going to get worse. We can't expect our licensed professionals to take on all of the burden. People will stop becoming licensed professionals, and we can't have that. A very high percentage of the hard working public don't want taxes raised any more than they already are. There is already a huge problem with citizens, who really aren't in need of, but taking full advantage of state and federal low income benefits. I want a solution. I really feel for the elderly who are having financial problems in retirement. Retirement is a time to sit back, reflect on your life and all that you have accomplished, and enjoy the time. I also feel for the professionals who went to school and worked themselves as hard as a person can, to get their professional license, and are now the bad guys because they shouldn't expect to get paid for their services. Voluntary charitable donations to the elderly is really the only answer.

  • NeifyT Salt Lake City, UT
    July 10, 2019 3:00 p.m.


    First off I read about a third of the article; so maybe I missed whatever you are referring to. But the article is talking about someone who gets only 800 per month. There is NO WAY to buy additional insurance on that amount of money. I make a lot more than 800 per month; and still have to utilize debt for EVERYTHING (even food a lot of the time).

    As for what I am doing to make more money. I am very highly skilled in many aspects of the computer industry (programming, web development, graphic design, desktop publishing, networking, etc.).

    But, because I have a disability that makes it so I can't sleep at night; therefore I can't get up at a specific time in the morning; the only people who are willing to hire me don't even pay entry level wages for any of the work I do for them. I try to get other jobs and while I can get interviews easily the moment I mention I need accommodation to my disability (just an easy time window to get to work instead of a set time in the morning); no one is willing to hire me.

    The news always claims that tech jobs go unfulfilled because not enough have the skills; my experience is that employers simply don't want to hire people.

  • NeifyT Salt Lake City, UT
    July 10, 2019 2:41 p.m.

    Tumbleweed - "In two years this gentleman will be eligible for Medicare ... If he is totally disabled now, he's eligible for Medicare 1 year after he established total disability."

    He will NEVER get disability. It takes 5 to 10 years to get disability benefits. He might be "eligible" after one year; but it takes so long to process the paperwork and file the appeals (because they WILL deny benefits the first time for every single applicant no matter how obvious the disability and well documented it is).

    As for Medicare in 2 years; first Medicare won't pay any of his previous medical bills; only some of the new ones and even then only covers 80% of medical bills. Yes, the other 20% must be paid by the senior citizen. There is ZERO chance of paying any real age related medical bills; when doctors charge hundreds to thousands of dollars per hour for their time. If there isn't another insurance involved; which costs more money than most retirees can afford; they are on the hook for 20%.

    What we need is True Healthcare Reform: Doctors should NOT be allowed to price gouge and charge exorbitant rates. Healthcare should not lead to bankruptcy; that is the real problem!

  • RedShirtHarvard Cambridge, MA
    July 10, 2019 2:40 p.m.

    To "NeifyT " you didn't even read the articles, and your answer shows it.

    It doesn't take that many people not paying their bills for some doctors to go bankrupt.

    If you read about what is going on, some doctors are getting paid by Medicare/Medicaid and they don't get paid enough so they go bankrupt. Others are doctors that deal with cancer treatments, and it doesn't take more than a few patients who can't pay before the doctors can't pay their bills.

    And what are you doing to earn more than $30,000 per year? Are you seeking out certifications or educational opportunities to justify getting paid more?

    Why should somebody else have to pay for your needs because your decisions in life have resulted in you living like you currently do?

  • 65TossPowerTrap Salmon, ID
    July 10, 2019 2:39 p.m.

    Re: SeeBothSides

    Loan you some money? Sure, go get sick - when the sheriff comes for your GameBoy - give me a call.

  • NeifyT Salt Lake City, UT
    July 10, 2019 2:29 p.m.

    RedShirt - "doctors are increasingly filing for bankruptcy."

    This is pretty rich for one who just a few sentences before claimed that most people filing bankruptcy for medical bills were really in debt to other things. Any doctor (doctors are EXTREMELY RICH) who is filing for bankruptcy only does so because they chose to live far more opulent of a life-style than their income.

    Unlike most of the rest of the population; that can barely make ends meet; and must live on debt just to survive. Like I do, living out of a 130 year old 780sq ft house; that is falling apart around me; and I don't make enough to even pay to maintain the house; because the housing industry was charging far more than such a tiny very old house was really worth.

    Doctors don't have to buy multi-million dollar houses; and million dollar cars... they do because they like the opulent life-style. If they really aren't making that much money; they wouldn't file bankruptcy.

    However, they still pull down 6 to 7 figure annual incomes which is extremely rich!

    But, yes, even ONE doctor's bill could be enough for me to file bankruptcy; because I am already stretched so thin just trying to survive on 30K/year.

  • quackquack Park City, UT
    July 10, 2019 1:47 p.m.

    Interesting you folks say save your money but how many of you have 30K+ saved in your bank account ??? Let do the research the average cost at

    St Marks Hospital

    Angioplasty with Heart Attack at is $111,718
    Coronary Bypass with Cardiac Catheterization $156,941

    So I hope you never have a heart attack because you'll need have at least $30,000 saved in you bank after insurance (80/20) has paid their share. 22k just for the initial surgery and thats not accounting for further treatments, medications, lost wages and all the other necessities your easily looking at 30k for that one treatment. Then add in your bills, mortgage, utility, car payment ect ect... All required to be paid every month if you dont have 30k then you have 90 days to make a substantial payment or it gets sent to collections and well your in the same situation as this guy.

  • RedShirt USS Enterprise, UT
    July 10, 2019 1:25 p.m.

    To "RGinSG" also consider this, the Samaritan had the means to care for the injured. Not all doctors have that ability. They have bills to pay themselves, and employees who need paychecks.

    Did you also consider that many seniors CHOSE to not save for emergencies and for their retirement, all in the hope that SS or somebody else would take care of them?

    Do you believe in forcing others to help the needy through taxes, or do you think it should be voluntary and done through charitable organizations?

    If you follow Jesus' example, you can't force somebody to be charitable, it must be voluntary. If you are going to wax biblical, then consider the parable of the 10 virgins. 5 were prepared for the unknown, and 5 were not. The 5 that were prepared were saved from misery, while those that chose to be unprepared were excluded from the feast. How many seniors are like the 5 unprepared, and what are you doing to help them be prepared?

  • RGinSG Saint George, UT
    July 10, 2019 12:57 p.m.

    Let's take a closer look at the story of the good Samaritan:

    The traveler (the senior) does not look for trouble but is dealt a catastrophic situation by some robbers (the health care system). The passers by ignore him (saying to themselves, he should have saved more, or he brought this upon himself). The Samaritan takes it upon himself to help (each of us, instead of complaining about the cost of helping the man, could instead be grateful we have the means to help either directly or through our taxes that provide relief to others).

    I feel blessed to be in a good situation as a senior, but am appalled at the lack of concern or compassion toward those (seniors or not) who don't have the same as I do. We can't individually help all those in need, but collectively we can, and should.

    Greed is not the sole purview of (some of) the wealthy, but applies to all who complain that helping others isn't fair. (To quote the Savior: "If you would be perfect, go, sell what you possess and give to the poor...")

  • RedShirt USS Enterprise, UT
    July 10, 2019 12:33 p.m.

    To "UtahBlueDevil " so let met get this right. If you had the choice between you having food and housing or a senior getting medical care, you would choose giving away your services for free.

    Actually it is a myth that a majority of bankruptcies are due directly to medical bills. When examined closer researchers found that the people declaring medical bills as the reason for going bankrupt already were close to filing bankruptcy. Any new debt, regardless of the source, would have pushed those people into bankruptcy.

    To "65TossPowerTrap" thanks to people like you and others that think doctors should just suck up the cost for seniors who can't pay, doctors are increasingly filing for bankruptcy.

    See "Doctors driven to bankruptcy" in CNN Business where they lay out the information regarding doctors being driven out of business because of not getting paid or because they can't make enough money to keep their doors open.

    See also "Do Medicare And Medicaid Payment Rates Really Threaten Physicians with Bankruptcy?" at Health Affairs.

  • SeeBothSides Sandy, UT
    July 10, 2019 12:28 p.m.


    Loan me some money. I need it. Then forgive the debt. I could really use your forgiveness for paying you back. Thanks buddy!

  • LOU Montana Pueblo, CO
    July 10, 2019 11:46 a.m.

    Just imagine, through no fault of your own, are in a car accident. You suffer a traumatic brain injury and forced to go on Social Security Disability Insurance. All of your assets are consumed in medical bills and trying to make your house payments.
    Your lawsuit is not fully successful because according to the insurance industry, traumatic brain injuries do not exist unless there is physical damages.

    No mercey as you lose everything you have ever worked for?

    Through no fault of your own!

  • 65TossPowerTrap Salmon, ID
    July 10, 2019 11:16 a.m.

    Re: SeeBothSides

    I'll type really slow, so that my point will be clear. Doctors and hospitals are not going broke because of "bad debt" from senior citizens. Health care is one of the best growth industries in America, so spare us the "woe is me" mantra from corporate health care. As for the forgiveness of debt - I believe that is addressed in The Bible. "Forgive us our debts as we forgive our debtors." Something to think about.

  • UtahBlueDevil Alpine, UT
    July 10, 2019 10:34 a.m.

    Redshirt.... let put a twist on this.... your the same nurse, and you know that many seniors are afraid of going to the doctor despite being in great pain, because they know they can't afford the MRI the doctor is about to prescribe. You know this person is choosing between food, medicine, or going to the doctor.

    If your that nurse, I'm not sure how you sleep at night knowing that somewhere a senior citizen isn't sleeping tonight because they are afraid they will loose everything if they seek help.

    This points to much larger issues... that over 60% of all defaults and bankruptcies are because of medical expenses. That people are thrown from their houses, and risk having all their possessions taken if they seek medical help, in Utah, the most Christian state in the nation. It just is immoral at multiple levels.

  • SeeBothSides Sandy, UT
    July 10, 2019 10:33 a.m.

    65TossPowerTrap...Did you go to school for 8+ years? If so, are you willing to work for free? It's not about christian values, or wallets, or trips to the Bahamas. It's about getting paid for the work that a person does. Should doctors get paid the amount they do? Should attorneys get paid the amount they do? I don't know, but they should get paid. It's hard to benchmark the value of a professionals time spent in preparing for their profession. I didn't go to school for 8+ years. I was too lazy. I don't make near what a professional who went to school for 8+ years makes. I shouldn't. It's just the way it is. I know this though, nobody works for free all the time, and nobody is willing to either. If you incur the debt through a collateral loan or sale of property, pay the debt. If the debt is incurred for medical services, or necessary legal services, then utilize the government benefits that are there for you. If the government benefits aren't enough to help you out, then our government needs to establish a better benefit system. Remember, every time they increase the benefits at a government level, then the people who go to work every day to make a living, are the ones who pay.

  • 65TossPowerTrap Salmon, ID
    July 10, 2019 10:18 a.m.

    Re: RedShirt

    "Would you be happy to lose your job because a bunch of people decided they couldn't pay for the services they received?"

    You're hilarious. How many doctors have gone bankrupt in the last 10 years? How many nurses have been fired in the last five years? How many "non-profit" hospitals have shuttered their doors? I'm 60+ years old and have had a bunch of doctors over the years. None of them went broke. You're tilting at windmills.

  • Tim Torkildson Provo, UT
    July 10, 2019 10:01 a.m.

    There was an old man from Lehi
    who got into debt by and by.
    The sheriff's tight net
    took his TV set;
    he's left with a wall, high and dry.

  • RedShirt USS Enterprise, UT
    July 10, 2019 10:00 a.m.

    To "65TossPowerTrap" ok, lets make it something easier to picture. Imagine you just graduated high school last year and got your nursing license and just got a job working for a doctor who works with a lot of seniors. Now, if a significant portion of those doctors decide that they can't pay their bills, the office where you work has two choices, fire you or collect from the seniors for the services they received.

    Would you be happy to lose your job because a bunch of people decided they couldn't pay for the services they received?

  • Kings Court Alpine, UT
    July 10, 2019 9:54 a.m.

    I have to laugh when people say that it’s really easy to save for medical expenses. With the exorbitant cost of healthcare, a screwed up medical insurance system that is reliant on employers and is not portable between jobs along with a cadre of exceptions, and the fact you aren’t legally allowed to declare bankruptcy every year when faced with unlucky medical circumstances makes me wonder how grounded people are in reality.

    Medical bills can rocket to a million dollars and up very rapidly. Young couples are one birth defect away from financial ruin. Considering that some states still have minimum wage at just over $7 an hour and some politicians are seeking to get rid of ACA protections as well as big pharma charging egregious rates for once cheap life-saving drugs, I can’t see how anyone can save enough for medical expenses unless they are a multi-millionaire.

    I also recommend that people (several years before they get sick and incur debt) put their homes in a trust in order to protect it from bankruptcy or seizure and to protect 100% of your equity. The article didn’t mention that.

  • 65TossPowerTrap Salmon, ID
    July 10, 2019 9:51 a.m.

    "Imagine being a doctor, who went to school for 8+ years to become a doctor, and now you don't get paid for your services, and essentially you are giving free healthcare."

    Oh my heart just bleeds for that poor starving doctor who may have to spend only four days in the Bahamas instead of five. It's not the doctors who are the bloodthirsty creditors, it is the "nonprofit" hospitals.

    I'm always amazed by people who claim to live the tenets of Christianity until something involves their wallet. They become secular real quick.

  • SeeBothSides Sandy, UT
    July 10, 2019 9:40 a.m.

    Before making this a direct link to debt collections and senior citizens, and what property is exempt in the process of collecting a judgment, and how the process of the Writ of Execution is handled, you first need to put yourself in the place of the person who is owed the money. Imagine being a doctor, who went to school for 8+ years to become a doctor, and now you don't get paid for your services, and essentially you are giving free healthcare. If that becomes the norm, is anyone going to want to go to school for 8+ years to become a doctor? Can we afford to lose our doctors? Or, imagine being a creditor who sold an item to a senior citizen, and now he can't pay. He doesn't have the item you sold him, or the item's value isn't near what it was when you sold it to him. He get's special exemptions because he is a senior citizen? People have to be held accountable for repayment of their debts, no matter their age. This isn't about the creditors, this isn't about the collectors, and it isn't about the constables handling the court orders. For medical debts, there needs to be more government involvement for all citizens. For collateral debts, the debtor needs to be responsible.

  • RedShirt USS Enterprise, UT
    July 10, 2019 9:08 a.m.

    To "Happy Valley Hillbilly" actually you only pay half of the Social Security tax. Your employer pays the other half of your SS taxes.

    It is no more double taxation than the Federal Government's practice of taxing your tax refunds.

    TO "Applelovernow" you are wrong. he would have paid one way or another for the care he received. The only difference is who collects the money. He could have paid more in taxes over his lifetime, leaving him with even less money throughout his life, or he could pay for the services he needs as he receives them.

    To "All American" if you save and have an emergency fund, you can avoid debt. It is possible despite what you hear from the people trying to get you to go into debt to buy stuff.

  • cjb Bountiful, UT
    July 10, 2019 9:06 a.m.

    Re All American

    Most rules have exceptions, and even this is not a perfect exception.

    People who loan money deserve to be repaid. Keep this in mind. Sometimes accomplishing this will require sacrifice on the part of the person who borrowed the money.

    One way to avoid having medical bills take away all your cherished possessions is to have health insurance. Think you can't afford it? Do you have an RV? A house larger than you need ? An expensive motorcycle. No part time job? .. well you get the idea.

    Hey if they don't pay their debts, then I or someone else has to.

  • Tumbleweed Centerville, UT
    July 10, 2019 9:04 a.m.

    So he helped his adult son with finances? Has the adult son reciprocated? The son might come up with the $1,200 for chapter 7 bankruptcy and then the medical debt is gone. Furthermore, Utah's Exemption statute contains a long list of exemptions including for family heirlooms and equipment that assists a bankrupt person to continue working. It even provides for the bankrupt to keep and rifle, shotgun and a pistol with 1000 rounds of ammo for each (for home and self-defense).

    Utah emphasizes self-reliance, but there is no shortage of government assistance where needed.

    In two years this gentleman will be eligible for Medicare along with his Social Security benefits whether he's disabled or not. If he is totally disabled now, he's eligible for Medicare 1 year after he established total disability.

  • Chris B Salt Lake City, UT
    July 10, 2019 9:03 a.m.

    All American

    Are you saying that people have no ability to save up for medical emergencies

    Cjb is right that the best way to fix this problem is for people to better manage(save) their money.

    If people don’t have enough money for a medical emergency, they don’t have money for a tv, or furniture mode expensive than second hand store furniture

  • All American Herriman, UT
    July 10, 2019 8:46 a.m.

    @cjb - Bountiful, UT - It's great that you have all the answers but did you read how the man had an accident that required emergency care? That's what precipitated his "debt". And did you read how medical events are the usual reason for people, seniors especially, get into debt? How do you prevent that? Anyone who has had any kind of surgery knows how expensive it is, especially if they have no insurance. It's astonishing to see the final bill on a surgical procedure!

  • Chris B Salt Lake City, UT
    July 10, 2019 8:35 a.m.

    His tv was taken because he didn’t pay his bills? Good!

    A tv is hardly a necessity to live.

    Pay your bills if you want a luxury good like a tv

  • cjb Bountiful, UT
    July 10, 2019 7:53 a.m.

    The proper way for seniors to keep from losing their possessions because of debt they won't pay is to avoid the debt in the first place. To manage their money properly.

  • Red Smith , 00
    July 10, 2019 7:48 a.m.

    The problem is the State's greedy hand in our wallets. It's the State that passed these nasty laws. It's the State that has not fix health care. State school produce doctors. Why are doctors in so much debt when they leave school they have to charge so much?

    Why doesn't the State fix our malpractice laws? We have crafted a predatory society that eats people.

    We have plenty of resources and the best educations in the land. Why have we created a snare instead of a blessing for our people?

  • Applelovernow Henderson, NV
    July 10, 2019 7:43 a.m.

    The question I ask is why did this man owe so much on a medical bill? Had he lived in other developed country that care would have been provided at no cost to him. Stories like this are what get the progressive left so fired up about Medicare for all.

  • quackquack Park City, UT
    July 10, 2019 7:19 a.m.

    Utah a holy christian red state can pass a prison move or an inland sea port in a matter of months but it takes years to get anything done with medicaid, year after year were told education will be funded, year after year they keep raising taxes and now this. Yet you folks keep reelecting these politicians.

    Dont you think its time for a change ??? Stop reelecting these incumbents its obvious these politicians aren't creating bills for the people.

  • Wasatch Al South Jordan, UT
    July 10, 2019 7:06 a.m.

    Utah is actually a poor choice for a retirement location. Only thirteen states tax social security and Utah is one of them. Education is vastly underfunded. We always hear how Utah is so well managed, but is because the elderly and children are packing the load.

  • stevo123 Driggs, ID
    July 10, 2019 6:22 a.m.

    @ Fullypresent, You're right about taxing social security, this was done under the guise of being "fair".

  • imsmarterthanyou Salt Lake City, UT
    July 10, 2019 6:19 a.m.

    Why doesn't Utah? Well that's simple, Utah has at least a couple people in charge who are capable of rational thought. They understand that it is not my (taxpayer) responsibility to pay your bills, no matter how old you are. My hat's off to Utah for holding steady with common sense on this one. Taking tax money for charity isn't charity, its slavery. Robin hood was a criminal and so is any government that acts like him.

  • The Great Helmsman Salt Lake City, UT
    July 10, 2019 6:06 a.m.

    Don’t let the legislature fool you, Utah. No matter how conservative they say we are, Utah is NOT a low tax state.

    They love to tout how well run the state is. Well that takes money and that means taxes.

  • LOU Montana Pueblo, CO
    July 10, 2019 4:38 a.m.

    It is called quick sand bebt.

    The economic system is designed to keep you in debt and it is only getting worse.

    Medical bills can consume if you do not stay on top of them. You have to question the hospital and the insurance companies before paying bills. If you don't they will make a mistake in their favor and over charge you.

    Always question them and force yourself to learn as much as you can about their billing system.

  • Misseleer71 Salt Lake City, UT
    July 10, 2019 4:06 a.m.

    Taxing social security income is not a state tax, its a federal income tax on untaxed disbursements from the SSA. You donate $50,000 to the SSA but when it comes time to retire your disbursements are calculated over 30,40, or 50 years of distribution. The original $50,000 is pretaxed and exempted from taxation doing tax returns. Its the same kind of distribution in all retirement funds, pretaxed part of deposits are still tax free and only the untaxed distribution is later taxed, and this is true in all states. Divider 50k by 30 year renders a tax free distribution of $1666.00 is tax free, the other $2000 additional dollars of SSA is taxed unearned income..

    As for Utah and its laws, they are too greedy and coveting, When elderly die the state financial recovery laws kick in and every thing the elderly owned becomes state recovered funds in medicaid health care, long term care, and all waivers. All asserts become state property including inheritance money and property, life insurance policies. So Utah is not interest in caring about the elderly or families when hundreds of million of dollars is confiscated for undisclosed government loans.

  • Holy-Schamoly-What Baloney Kaysville, UT
    July 10, 2019 12:06 a.m.

    There are 18 States that don't tax Social Security as State Income. Utah isn't one of them and can't wait to get their grubby hands on the money seniors have given to the government for 30 - 40 years in interest free loans (known as social security contributions) and when they finally start to collect their SS Benefit, which for the most part is just returning their money, Utah TAXES IT!! How very petty for the State to treat retired people in such a manner. I understand there's a law in Texas that seniors can apply to have their property taxes frozen at a certain level after they have paid them the first year as a senior and they can't go up after that. What a concept----hold the line for people that have paid property tax for 40 years so that you don't tax them out of their homes! Not in Utah!! They want every little bit of the tax money and more of it EVERY year! Insane!!

  • mountainlocal Brooklyn, NY
    July 9, 2019 11:30 p.m.

    Utah doesn't protect it's citizens, it likes to protect the "job creators". Until special interest groups cannot influence legislators, the money will always win over the vulnerable.

  • Nottrue Salt Lake City, UT
    July 9, 2019 11:27 p.m.

    As usual it is the elderly who suffers most when they have little to no money. It is always about "the money" no matter what. Road pirates like the police want "their" money at all costs. I have seen judges ask someone how much money do they have in the bank account. Nobody cares and of course the politicians don't care either.

  • Happy Valley Hillbilly Alpine, UT
    July 9, 2019 11:14 p.m.

    Utah’s shameful practice of taxing the Social Security benefits of the elderly is wrong on many levels. These people originally paid the taxes on their income during their working years with Social Security deductions taken out of their paychecks before they received their net income. The taxing of retirees Social Security benefit payments is unconstitutional as it clearly amounts to double taxation, which the Constitution prohibits. It’s past time the State legislature addresses this wrong and ends this sordid practice.

  • Fullypresent Salt Lake City, UT
    July 9, 2019 10:21 p.m.

    Utah needs to do more for our elderly. We are one of a few states that taxes their social security when they are trying to survive on fixed incomes. This is shameful and the legislature needs to do something about this while they are looking at taxes. Some of these elderly are vets, famiies of vets, or people that served their community, churches, and charitable organizations all of their lives. They are also very vulnerable to all of the affinity fraud and family fraud trying to get at what money they do have. We should be able to do better by them than this.