I'll take your silence as a "no" to the call offer. Not a problem.
Your social security benefits, as well as your VA benefits, under federal law are fully immune from any claim or attachment by a typical creditor---such as a creditor who has a deficiency judgment against you related to a foreclosure.
However, in order to protect your funds, you MUST ensure that you have a separate bank account that the funds are deposited to by the government. If you commingle other funds that you might have in that separate account, you risk having a court rule that the commingling of funds with your federal benefits renders the funds no longer protected under the law.
If you have no other income other than social security and VA benefits, and you have no significant assets, then it makes little sense to try and reach a payment arrangement with the creditor. If you are essentially judgment proof---which it appears that you are---then there is nothing for the creditor to get at.
As for follow up options, you can always ask follow up questions but the $5 phone call does not include follow up calls, nor does it mean that you are retaining me as your attorney.
You may reply back to me using the Reply link and I will be happy to continue to assist you until I am able to address your concerns, to your satisfaction.
I hope that I have been able to fully answer your question. As I am not an employee of JustAnswer, please be so kind as to rate my service to you. That is the only way I am compensated for assisting you. Thank you in advance.
I wish you and yours the best in 2016,