exempt from judgement

proof of your income is sufficient. You should also tell them that any money in your bank account derives from SSDI.

Just so you know, While your income is exempt from garnishment, it does not mean that a judgment can't be placed against you. If you have assets that are not exempt, they can be taken. If you have no assets and your income is exempt, you are "judgment proof"....It means that while a judgment can be served, it can't be enforced. They will try to enforce it but you are in no way obligated to pay them. If they ask how much you can pay tell them nothing, they can not make you pay.


The best thing that someone would need to do is if they are hounded by debt collectors to send them a very demanding letter for them to stop calling. You would need to tell them that you are on SSDI or other exempt income, you can barely get by on what you make now, you have no assets and that you are judgment proof and are never returning to work. This will usually stop them from filing a lawsuit because to them if it's a reputable company, they know they will not get nothing and is just a waste of money for them.

I have a judgment against me from a debt collector and they still have me go in to a payment hearing every so many months to see if I can pay, to be honest it is a waste of their time cause I can't pay them, even if I could I still wouldn't. The attorney they used is a real crooked piece of crap.