Q: I received a summons regarding unpaid (& undisputed) credit card debt. I am disabled, with SS as sole income.
I was laid off in 2012. I continued to pay all debts until approx Jan 2016 when I ran out of money (including liquidating all retirement savings). I have been on disability since June 8, 2015. I was granted Social Security benefits - my only source of income - in July 2016. I have no car, no real property, no cash, no insurance, nothing which can be liquidated to pay creditors. I owe back taxes to state & federal. Both are now considered "hardship." I am considering bankruptcy, w/o an atty. SSI & SSDI auto deposits are exempt from garnishment, removing the court from the conversation, right? I chose not to respond to the summons. I expect other creditors to follow suit. Advice?
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