Answer

Just because you put a co-owner or lien on the vehicles now, the creditor would likely be able to defeat that by arguing it was a fraudulent transfer to avoid paying a debt. As far as your disability pension, this is secure and exempt from garnishment, but this does not stop the creditor for trying to seize your bank account where the disability payments are placed and then you would end up fighting in court to prove the money in that account is from a source that is not subject to garnishment. The best way to protect that is to make sure that the disabiltiy pension is the only thing going into that account, so it is much easier to prove the origin of the money in that account.

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