You can file a Bankrutpcy. As filing a Bankruptcy requires filling out 60 pages of paperwork, it is highly recommended that someone wanting to file a Bankruptcy hire an attorney to do it for them. To find a good one, you can call the Oregon Bar Association to ask for a recommendation. The number is (800)(NNN) NNN-NNNN/strong>.
However, since you have no assets, and your only income is from Social Security, there is nothing your creditors can do to you if you stop paying them, even if you do not file a Bankruptcy. There are no assets for them to take, and Social Security is exempt (protected) from collection.
If all the money in your bank accounts is from Social Security, creditors cannot garnish those bank accounts. However, if there is any money in those accounts that is not from Social Security, those accounts can be garnished, so it is usually a good idea to open a new account into which only Social Security is deposited.
Also, if all the money is from Social Security, you should inform the bank - in person and in writing so you have proof - that they should never allow your account(s) to be garnished because all the money is from Social Security. If you don't notify the bank, they will not know all the money is from Social Security (even if it is direct-deposited), and your account can be garnished.
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