Q: Will having charge off on credit cards prevent me from getting disability

A: Having charge-offs on your credit cards will not directly prevent you from qualifying for disability benefits. Disability programs like Social Security Disability Insurance (SSDI) or Supplemental Security Income (SSI) determine eligibility based on medical conditions and work history, not directly on your financial status or credit history. Therefore, having debt or poor credit does not count as income and won’t affect your eligibility for these benefits.

However, managing your debt is crucial, especially when you are dealing with limited income due to disability. Credit card debt does not count as income, so it won't be considered in the income calculations for your disability benefits. It's important to focus on the application process and ensure that all medical documentation is thoroughly provided to prove your disability claim.

Regarding the protection of your lump-sum back pay from creditors, once you receive it, different rules can apply depending on state laws and the type of disability benefits you receive. For SSI, for example, back pay is subject to certain protections, but it is advisable to consult with a legal advisor or an attorney who understands debt management and disability law to explore your options for protecting these funds. They can provide guidance specific to your situation to help you safeguard your financial future while you focus on rebuilding your life.