Q: What options are available to people who are on SSD an are being taken to Small Claims Court for Credit Cards and Med.
6 years ago after a Surgery I became Totally Disabled and now receive SSD. We are just getting by and haven't been able to pay for Medications and Specialists that I need. I am now being taken to Small Claims. So far there has been 3 back to back. The first 2 we made payment arrangements but just can't do any more, there may be more to come. What can I do?
A:
If you are having struggles with making payments on your debts you may want to consult with a bankruptcy attorney to discuss your options.
That said, if your only source of income is SSD chances are high that you meet indigent status and your income falls below a certain threshold where debt collectors would be unable to garnish your income. If you fall below a certain level of income you may be 'judgment proof' because your income is so low you would be unable to survive on whatever is left.
Consult with a bankruptcy attorney to discuss your options.
Justia Ask a Lawyer is a forum for consumers to get answers to basic legal questions. Any information sent through Justia Ask a Lawyer is not secure and is done so on a non-confidential basis only.
The use of this website to ask questions or receive answers does not create an attorney–client relationship between you and Justia, or between you and any attorney who receives your information or responds to your questions, nor is it intended to create such a relationship. Additionally, no responses on this forum constitute legal advice, which must be tailored to the specific circumstances of each case. You should not act upon information provided in Justia Ask a Lawyer without seeking professional counsel from an attorney admitted or authorized to practice in your jurisdiction. Justia assumes no responsibility to any person who relies on information contained on or received through this site and disclaims all liability in respect to such information.
Justia cannot guarantee that the information on this website (including any legal information provided by an attorney through this service) is accurate, complete, or up-to-date. While we intend to make every attempt to keep the information on this site current, the owners of and contributors to this site make no claims, promises or guarantees about the accuracy, completeness or adequacy of the information contained in or linked to from this site.
