FairyBurningStar
New Member
Back in 2013, I fell behind on payments for four credit cards, and one of them took me to court. The judgment from that case will be lifted soon. Now, at 72, my main income is from Social Security, which is protected from creditors. California law also safeguards $2800 in my bank accounts. Recently, I've had to use my credit cards again, and I'm concerned about what might happen if I can't pay them off. Lawyers have told me I'm judgment-proof, meaning creditors can't take anything from me. One card did place a lien on my mobile home, but that's set to expire soon. I'm wondering, what would hapepn if I can't make the payments again? At my age, the little I have is protected, and my credit score doesn't really matter anymore. So, what do I stand to lose if I default again?