I have been on permanent disability since 2015. Can a credit card agency sue me for the money and win?
You could get sued and lose the case. Most people do because they never appear in court to put up a defense. But even then the bigger issue is if your income and assets are judgment proof and can’t be attached.
What you might want to consider is to contact HELP, a non-profit law firm that provides low-cost assistance to people in similar situations. You can find them online here.