I became ill and lost my job over a year ago. My doctor advised me to apply for SSDI. I did and my claim got approved real quickly. While working, I had some credit card debt, which I was paying on. Once I lost my employment, I defaulted. My only income, now, is the SSDI, and it just barely covers absolute necessities. Even with that income, I get food stamps. Sometimes, I go without meds that I don't have the co-pays for. I barely keep food in the house. I can't afford to get new eyeglasses, which I need. So I've trimmed down as close to the bone as I know how to do.

I get calls from creditors, and I always give them a full explanation of my situation. They are pretty reasonable to talk to, and I try to be the same. I have no assets. My only hope of repaying is, if I could go back to working. That might not happen for a while . . . if ever. I might never have more than my SSDI.

One creditor told me that they were going to sue me. Today I got the summons about the lawsuit. I have no assets, and my only income is SSDI. I don't know what they think they are going to get. There is nothing for them to take. Since I'm a senior, it's not real likely that that will change.

The creditor is a bank that had issued me a credit card. What I owe on it is not a vast amount of money. When I lost my job, I stopped using any consumer credit. I had credit still available, but I did not want to incur any more debt, once I knew I had no income. So I was not guilty of any fraudulent use of credit. That's why I am kind of puzzled that they are coming after me. It seems kind of pointless to me.

I suppose I could have filed bankcruptcy. I suppose I still can.

I'm wondering what to do about this creditor. I have told them that, right now, I cannot afford to pay them even $5.00 per month. That is the absolute truth. I have nothing that any judge can take from me to give them. I wonder why they are doing this. I have a few creditors, and only one is doing this.

If anyone wants to post some feedback, or PM me, I'll be glad of any thoughts anyone has.

Thank you.