In reality....a debt is a debt that we owe....no contesting that....the thing is that...disability income is judgment proof.....if you own a house, they can put a lein on that.....if you are working (which you aren't) they can put a judgment against wages.....but basically, all they end up doing is getting the judgment saying they are entitled to the money (like no duh)....& they can't do a thing about it so all they can do is set on it.....make yourself unavailable to their harassing calls......& basically there is nothing they can do to collect the money or force you to pay money you don't have.

Some medical bills I have had here when I fractured my back....I paid them $5/month....it took forever but if they wanted the money that bad, they had to deal with it....some wrote off the amount...others didn't when it came to medical bills.....one stupidly sent the bill to collection when I had been paying on it & I got all over their case....never got another bill from them after they straightened that out.

It's a horrible feeling being in this position.....but I'm beginning to realize that so many of us are in that position with the economy the way it is....& the lending companies are just going to eat it......feel it's sort of their responsibility for selling the concept of credit to everyone....this is the price they pay....but they never thought it would come to this.