They just do the law suit thing to try & intimidate you into paying....the fact is that your disability money is judgment proof.....& if you have nothing else in the way of assets......they you have nothing to worry about....I have gone through this since in the late 1990's.......I lost my engineering career & my H took over the finances.....& he is a moron when it comes to money....always believed that if he could pay the minimum payment that it was OK.....so besides the fact that he didn't believe that I wasn't going to go back to work.......& all the medical bills & accrued......several of the debt companies put a lein on the house that's still sitting there.....all the rest went to collection & after all these years they have basically vanished........

I left my H 6 years ago......sadly, the bad marriage was part of my serious problems that kept the hospital expenses coming.....since I left I have seen exactly how he handles debt....including the IRS, property taxes, & the house payment until the house ended up in foreclosure. Because I didn't divorce him after leaving, he has completely destroyed any possible credit rating I could have....but that's probably a very good thing....I just didn't realize until now that even our home owner's insurance & auto insurance amount is dependent on how bad your credit rating is.....so my costs are higher because of his irresponsible financial ways.

Disability isn't judgment proof to the IRS......but to all other debt it is.....so you have nothing to worry about....only problem is the stress that one ends up going through because of all of this.....but if you go to the hearing & take your financial statement........the judge will see the truth of the situation.

Bankruptcy might be a good way for you to clean the slate.