You do have the option of simply defaulting on your debt. It's not illegal to do that, and you won't get put in jail for doing that. After a certain number of years (which varies from state to state) the statute of limitations on the right of your creditors to collect runs out. At that point, they can't even sue you for the money.

This is an option that I think low income individuals ought to really consider. Doing this will get you a low credit rating, but you might have a low credit rating already, anyway. Being able to keep your income for the necessities of life is more important than trying to save your credit rating, which may be unsavable.

If your only income is from SSDI, issuers of consumer credit can't sue you to make you pay.