I have not worked in three years and had been able
I have not worked in three years and had been able to pay credit cards up to May of 2011. Since that time I've exhausted unemployment and my 401k. I am presently on food stamps, general assistance and home heating and electrical assistance. I do not own a home. I am 61 years old and will be applying for Social Security soon. I don't have any savings so there isn't a possibility to pay these debts of approximately $20,000 with various card companies. I've read on these blogs that the debt colletion agencies can take whatever little money I have in my checking account. Is that true and at what time does this start? At present friends are helping me so that I am not out on the street. Also, when I am eventually sued and I still don't have funds to pay, what am I supposed to do?
Thank you for your time.