Ask a Lawyer and Get Answers to Your Legal Questions
If the judgement amount exceeds the person's assets then they are insolvent. If the onl assets are social security or some other pension then the judgment creditor is out of luck since almost all pensions are exempt form commercial creditor claims.
Your homestead is legally protected in most states and that makes it difficult for a creditor to attach it, but it is possible.
The protection afforded in bankruptcy depends on the equity the debtor has in the home and the state law.