{"id":103845,"date":"2019-03-07T13:18:38","date_gmt":"2019-03-07T13:18:38","guid":{"rendered":"https:\/\/one.sightlinemg.com\/militarytimes\/uncategorized\/2019\/03\/07\/bankrupt-vets-can-lose-their-disability-benefits-this-new-effort-would-protect-them\/"},"modified":"2026-08-08T11:12:43","modified_gmt":"2026-08-08T11:12:43","slug":"bankrupt-vets-can-lose-their-disability-benefits-this-new-effort-would-protect-them","status":"publish","type":"post","link":"https:\/\/one.sightlinemg.com\/militarytimes\/veterans\/2019\/03\/07\/bankrupt-vets-can-lose-their-disability-benefits-this-new-effort-would-protect-them\/","title":{"rendered":"Bankrupt vets can lose their disability benefits. This new effort would protect them."},"content":{"rendered":"\n

Two senators just introduced a bill designed to shield veterans\u2019 disability benefits from debt collectors.<\/p>\n\n\n\n

When a disabled vet declares bankruptcy currently, the law allows debtors to count a veteran\u2019s disability benefits as disposable income, allowing them to seize the benefits.<\/p>\n\n\n\n

Yet Social Security disability benefits are exempted by law from being lumped into a person\u2019s disposable income in bankruptcy filings, and disability benefits in any form aren\u2019t taxable and therefore generally not considered disposable income.<\/p>\n\n\n\n

The Honoring American Veterans in Extreme Need (HAVEN) Act seeks to create the same immunity in bankruptcy cases for benefits provided by the VA and Department of Defense to disabled veterans and their surviving spouses.<\/p>\n\n\n\n

Sen. Tammy Baldwin, D-Wis., and Sen. John Cornyn, R-Texas, introduced the bill, which has already been endorsed by 10 Republican and 10 Democratic senators. It has also earned the support of organizations like the American Legion, Disabled Veterans of America and the American Bankruptcy Institute, among others.<\/p>\n\n\n\n

\u201cRight now, veterans and their families are forced to dip into their disability-related benefits to pay off bankruptcy creditors,\u201d said Baldwin during an unveiling event for HAVEN in her Senate office. \u201cAnd that\u2019s not right. This reform will protect veterans\u2019 disability benefits when they fall on hard times.\u201d<\/p>\n\n\n\n

Supporters of the legislation say it\u2019s unfair that veterans may be forced to give up their disability benefits when declaring bankruptcy, while the general population receiving similar benefits through Social Security does not.<\/p>\n\n\n\n

\u201cThe effect is to shove veterans out of the protections that every other disabled American gets,\u201d said Holly Petraeus, a HAVEN supporter and former assistant director of the Consumer Financial Protection Bureau. \u201cWe knew that was not right and were sure that was not intended with the original legislation, but that was the effect that it had.\u201d<\/p>\n\n\n\n

Matthew Shuman, the American Legion\u2019s national legislative director, felt similarly.<\/p>\n\n\n\n

\u201cSo often we find that veterans and service members and their families are exempted because they do great things,\u201d he said. \u201cIt\u2019s not often that we find the other way around.\u201d<\/p>\n\n\n\n

\"\"
Supporters of the HAVEN Act meet in the office of Sen. Tammy Baldwin, D-Wis., to discuss the new legislation. From L to R: John Hartgen, the American Bankruptcy Institute’s public affairs manager; John Thompson, a bankruptcy lawyer with the ABI; Shane Liermann, Disabled American Veterans’ national legislative director; Sen. Baldwin; and Matthew Shuman, the American Legion’s national legislative director<\/figcaption><\/figure>\n\n\n\n

Baldwin and others involved with HAVEN say the bill could also help veterans\u2019 mental-health issues by easing their financial burdens. John Thompson, a veteran and bankruptcy lawyer with the ABI, brought up \u201cstartling statistics<\/a>\u201d surrounding veteran suicides.<\/p>\n\n\n\n

\u201cWe know that one of the single greatest contributing factors to that is financial distress,\u201d he said. \u201cAnd this is going to go a long way to easing that financial distress for many American veterans.\u201d<\/p>\n\n\n\n

A few of the bill\u2019s supporters made the point that bankruptcy isn\u2019t inherently a bad thing and, in fact, can allow a veteran to start over financially.<\/p>\n\n\n\n

Jay Bender, an Alabama lawyer and ABI member, said that the fear of losing their disability benefits to creditors might deter veterans from filing for bankruptcy.<\/p>\n\n\n\n

\u201cThere\u2019s benefits to going through bankruptcy, to get the fresh start,\u201d he said. \u201cWe should remove the impediment that currently exists that restricts this access for disabled vets.\u201d<\/p>\n\n\n\n

Baldwin agreed, adding that fewer barriers for veterans to file for bankruptcy creates more opportunities for them to turn their lives around and resume their contributions to the economy.<\/p>\n\n\n\n

“When somebody has financial woes that are so significant that they have to declare bankruptcy, if given a second chance they have a much more promising path to becoming taxpayers again,\u201d she said. \u201cIf not given that chance, people are not necessarily going to resume a productive job. We like to create new taxpayers.\u201d<\/p>\n\n\n\n

Shane Liermann, Disabled American Veterans\u2019 assistant national legislative director, highlighted what\u2019s truly at stake for veterans who face the prospect of having their disability benefits snatched away by debtors in a bankruptcy scenario.<\/p>\n\n\n\n

\u201cDisability compensation for many of our veterans is the difference between being able to provide the necessities for their family and not,\u201d he said. \u201cThe notion that disability compensation can be considered disposable income is outrageous.\u201d<\/p>\n","protected":false},"excerpt":{"rendered":"

The HAVEN Act is trying to create immunity in bankruptcy cases for benefits provided by the VA and Department of Defense for disabled veterans or their surviving spouses.<\/p>\n","protected":false},"author":7,"featured_media":98227,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_yoast_wpseo_meta-robots-noindex":"","_yoast_wpseo_meta-robots-nofollow":"","_yoast_wpseo_canonical":"","_acf":"","_yoast_wpseo_primary_category":25,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","_smg_distribution_targets":{"4":{"categories":["veterans","pentagon-congress","news","your-air-force","daily-news-roundup","newsletters"],"primary_category":"veterans"},"5":{"categories":["veterans","pentagon-congress","news","your-army","daily-news-roundup","newsletters"],"primary_category":"veterans"},"6":{"categories":["veterans","pentagon-congress","news","your-marine-corps","daily-news-roundup","newsletters"],"primary_category":"veterans"},"7":{"categories":["veterans","pentagon-congress","news","your-navy","daily-news-roundup","newsletters"],"primary_category":"veterans"}}},"categories":[9,15,86,25,88],"tags":[],"coauthors":[3203],"class_list":["post-103845","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-education-transition","category-news","category-pentagon-congress","category-veterans","category-your-military"],"acf":{"subheadline":"","legacy_arc_id":"MD3SIYLE2JHYDDOUINECNSXPGE","arc_canonical_url":"\/news\/transition\/2019\/03\/07\/bankrupt-vets-can-lose-their-disability-benefits-this-new-effort-would-protect-them\/","remove_feature_photo":false,"is_sponsored":false,"subtype":"","redirect_url":"","disable_inline_ads":false,"native_logo_pretext":"Presented By:"},"yoast_head":"\nBankrupt vets can lose their disability benefits. 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