Judgements/sue

I am new to the board and hope to get some answers to my dilemma. I live in WI and I am disabled, so that is my only income. I had two credit cards from a past marriage that I was responsible for. They started out at about 5 or $6,000.00 each. I ignored each for the following fact 1) my ex was the one that used them, and 2) knowing I am on disability and will never be able to work again they cannot touch my disability income so choose again to ignore. Four years ago one finally went into judgment $11,000.00 from $5,000.00, now the other one which is being handled by the company "National Enterprise Systems" and they are asking for almost $13,000.00 or it will be turned over to Resurgence Financial once again and will also go into judgment.

I had talk with an attorney and he told me sooner or later they will come after my assets to pay the judgment or judgments. I don't want to lose any of my assets that I worked so hard to pay for. I don't own my home, but I do own a truck worth about $35,000.00, it needs to last me like the rest of my life, it is paid for I own a few other non-exempt items under the bankruptcy laws I guess like a couple of boats and atv all again which is paid for, combined value maybe $5,000.00.

What are my options?
Sign over property to children?
Will they settle for the amount of say bankruptcy? ($1500.00) If I tell them I am just going to file for bankruptcy anyway, but then again would they check on my assets? Or just agree to settle without them even asking about assets.
Should I wait and let this last one go into judgment?
I read that 85% of all judgments are not collected on.
What about payments? Right now I can't make ends meet, my daughter has been helping pay some basic bills so a payment plan wouldn't be much.
If I owned an older vehicle I couldn’t even afford to fix it, my truck is covered for six more years bumper to bumper which is like having a guarantee working vehicle for the next six years anyway.

If they haven't done anything in the last four years will the second judgment raise a flag to Resurgence to pursue assets?

Just pray and wait it out?

I have until the 27th of this month to respond until it is turn over to Resurgence for judgment. I know it's a lot of questions,
But any advice would be a blessing.
Thanks Brian