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Home > Reader Questions > What is the Process to Become Judgment Proof? – Patricia

What is the Process to Become Judgment Proof? – Patricia

I have already consulted a lawyer re filing bankruptcy, but he told me that because I receive nothing but a SS Disability Check, that I was judgement proof. However, he didn’t tell me if I am supposed to file this with the court, or just let the creditors figure it out for themselves? Surely, there is some form or process I must go through to be considered judgement proof. My income is less than $1000/mo.

What should I do?

Patricia

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About Steve Rhode

Steve Rhode
Steve Rhode is the Get Out of Debt Guy and has been helping good people with bad debt problems since 1994. You can learn more about Steve, here.
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  • Jprintz

    What if there is a small savings account or home that has a reverse mortgage making payments. Is either the savings or reverse mortgage payments protected from creditors?

  • Steve Rhode

    There is nothing to file with the court. The term “judgment proof” is a bit misleading. Someone who is considered “judgment proof” can still be sued and have a judgment issued against them. It is the collection of the judgment that is an issue for the creditor.

    When asked for details of your income when you are sued, just tell the court and the creditor will realize they can’t garnish your wages.

    Steve

  • http://GetOutOfDebt.org Steve Rhode

    There is nothing to file with the court. The term “judgment proof” is a bit misleading. Someone who is considered “judgment proof” can still be sued and have a judgment issued against them. It is the collection of the judgment that is an issue for the creditor.

    When asked for details of your income when you are sued, just tell the court and the creditor will realize they can’t garnish your wages.

    Steve

    • Jprintz

      What if there is a small savings account or home that has a reverse mortgage making payments. Is either the savings or reverse mortgage payments protected from creditors?

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