First off...disability income in judgment proof income according to my own lawyer.....which is good because I'm on disability........but it was also not good because the crook that installed a bad heat pump system in my house was also in disability & my lawyer explained that he was basically judgment proof so no reason to waste my money going after him.

The same applys to collection agencies trying to get any money from you.....if it's not covered by medicaid or medicare (through the disability) then it's basically tough luck on their part.

I had one company after I broke my back that charged me the full amount because medicare wouldn't cover it (x-ray requested by a chiropractor vs an MD)......what the crap....my back was fractured who cared who ordered the x-ray...but medicare does & they WON'T PAY.....so I was paying like $5/month.....somehow they sent it to collection while I was paying & had records of my payments.....I jumped all over them....they took care of it....& I never saw a bill again.