Do I Have to Worry About My Debt? I’m Judgment Proof. – Salvatore

“Dear Steve,

Hi Steve, I am up to my neck in credit card bills about $58,000. I have talked to a few of my friends about my situation

I only have monthly Social Security and a small Federal Retirement check. Creditors and Collection companies are starting to Call I heard that my Federal Checks are Income protected against any Garnishment if I get sued by one of these companies should I go to court and claim Judgment/Collection Proof or see a Bankruptcy Lawyer.

Please me help make a decision soon Thank You for your Time and Effort in this matter.


debt narrow

Dear Salvatore,

You raise a question many ask about, being “judgment proof.”

This does not mean you can’t be sued or attempted to be collected from. You will still have to deal with that if you decide to allow yourself to be sued, lose, and then wait for a judgment.

The more logical approach seems to be that in the face of unmanageable debt it would seem better to close the door on the debt quickly and prevent lawsuits and collections. Who needs the aggravation when you know you will be unable to pay?

You can click here to find a local bankruptcy attorney and talk to them for free about your specific situation. Get the facts and then you can make an informed and educated decision if bankruptcy is right for you.

It’s your decision but if you were my friend I’d ask you to strongly consider dealing with this swiftly with bankruptcy so you can move forward and not always wait for the next phone call or mail delivery to be bad news about a debt you already know you can’t pay.

Please post your responses and follow-up messages to me on this in the comments section below.


You are not alone. I'm here to help. There is no need to suffer in silence. We can get through this. Tomorrow can be better than today. Don't give up.
Damon Day - Pro Debt Coach

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Steve Rhode

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