Q: I an getting calls from discover credit card they are threatening to sue me for non payment im on disability and c
A: First, get a piece of paper or a notebook.
Whenever you talk to them write down the date and time. Get the name of the person you are speaking with. If they say they can't give their name, ask how they identify themselves. Explain that you don't know who you are speaking with--they could be someone calling from Nigeria or China.
From what you say you may be judgment proof.
If you are lower income you need to contact your local Legal Aid/Legal Services Office.
However, what I would also advise is that you first find out if you agree with the amount, so ask them to send you a breakdown.
Do not give any social security or other information--after all they could be a fraud!
They will try to browbeat you into an agreement. You want to write down exactly what they say.
Do not agree to anything---just repeat --as in "like I was telling you, I need to see how you figure that amount."
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