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Good evening! I can help you out with your legal question tonight. Yes, you are what is known as "judgment proof" meaning that even if a creditor obtained a judgment against you for $6,500, because your income is protected, they would not be able to collect.
Here is a link to a sample judgment proof letter for you
You can customize it to your situation, but it is essentially what you want to say.
Were you able to access the pdf?