Disabled person with credit card debt

When you took out the credit cards did you sign up for the extra insurance? Because if you did then the insurance would have taken over the payments when you became disabled.

If you check around some lawyers will accept payments. But with you already getting assistance you should be able to get legal aide.

Someone with better knowledge will be along shortly to say for sure what you could do.

It sounds like you're judgment-proof. There's nothing they can do to you, as all income and assets are exempt.

not judgment proof, execution proof. A judgment can be entered on anyone no matter what. If your income is exempt a creditor or debt collector for a creditor cannot collect on a judgment.

You should seek an attorney asap and find out about chapter 7. It's one thing to have a bankruptcy on your credit report but to have a judgment with it is not as good.

Thank you for your replies. I do not have any extra insurance on any of my credit cards. What is the difference between judgement-proof and execution proof? How long does a judgement stay on your record? And does anyone know how I would go about getting free legal assistance? The letter I received so far is a Notice of Motion. They are trying to get the judge to make a "motion to post" because due to my disability I have not been able to answer the door so far when they have come to serve me with papers. My other question for now is, should I send a letter to respond to the law firm right now? Or would it be better for me to wait and send it after they go to court to get the "motion to post" and then they leave me with the official summons? Again...any advice anyone can give is much appreciated. Thanks...

If you could post the state you are in someone can get you the info for legal aid

Sorry, I should of posted that in my first message. I live in Oak Lawn, Illinois, about 20 miles outside of Chicago. Thanks!