Generally speaking, a living trust provides very little protection from creditors during your life. If you are trustees, and have full control over your assets, creditors can still come after your assets in the trust. The fact that a trust is in place may discourage some attorneys, but ultimately it will not protect you from creditors if they are determined to get your assets.
I am not a bankruptcy attorney and therefore do not feel I can advise you further about bankruptcy, but your disability may not be garnishable, but creditors can still get a judgment against you and may be able to lien your house and push you into bankruptcy or foreclosure. Even if creditors are unable to collect they can still make life hard.
Was the attorney you spoke with a bankruptcy attorney? If not seek one out in your local area and dicuss things further.
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