I am a permanently disabled Senior Citizen living in subsidized housing. I have no vehicle of any kind, no property of any kind, no assets of any kind. My only income is Social Security Disability of less than $750 a month. Most of my income goes to paying for rent and medical services. I am not married. My parents, aunts, uncles, etc. are deceased so I won't be inheriting money. I will never be able to return to work.
A few years ago I became unable to continue payments on a credit card and I hired an attorney who said I did not need to file bankruptcy because I am "Judgment Proof". She sent numerous letters in response to Portfolio Recovery Assoc., LLC constant telephone calls and letters but the company would not let up on me.
A few months ago the company filed a judgment against me and although I had signed papers my attorney said she would file, I now have a judgment against me. The papers say I neglected to respond so the judgment was entered by default. My attorney will not return phone calls and I don't have the money to hire another attorney. The last time I spoke with my attorney she said the only thing I could do would be to file bankruptcy because this company can continue to call and write me. I had the money to file bankruptcy when I first hired the attorney but in no way could I afford to file now!
I can't think why this company...Portfolio Recovery Assoc, LLC...would waste money getting a judgment against me or paying people to call or write me if it's obvious they cannot collect. They seem to be associated with a legitimate attorney group...Wetsch, Abbott, & Osborn, P.L.C. out of Des Moines, IA.
Today I received yet another letter from them saying they will be taking steps to enforce this judgment and I will be liable for paying the court costs and sheriff's fees they incur.
If I am "Judgment Proof", why do they continue to spend money trying to collect this debt? Can I just ignore these letters or do I need to respond to them? Do I have to prove to them that I'm "judgment proof"? I noticed that my 'account number' with this company is actually my Social Security number and that scares me but it also seems to me they can use it to easily find out I have nothing they can take. How long can they continue to 'take alternative steps to enforce this judgment' once they find out I'm "judgment proof"? Can they keep doing this stuff and adding the cost to my account balance even knowing they can't collect in the hopes that I'll win the lottery or something?
Any suggestions of what I should do? I have already had one heart attack and this situation is stressing me out so much I'm worried I might have another. Can I get these people off my back once and for all?
Thank you for any ideas.