I think sometimes

it’s not necessarily about being lazy or complaining. I think it’s a loss of ‘hope’. There are many out there who truly don’t BELIEVE they will ever be without debt, payday loans or payments and they can’t see a way out. I’ve seen it several times with people who have attended the FPU Classes I’ve

Jhon, abuse laws have state

local and federal interpretations so you would need to cover yourself on all levels. Insurance is state by state. You would also need to know if they in fact have a rep payee, or someone who has a POA for them—which is very likely at their age. It could really screw things up for you