Senior citizens living on a fixed income often find themselves overextended with credit card debt.
This can be very stressful, particularly if you have always had a good credit history. Credit card solicitation seems to be at an all-time high, and may be hard to resist in facing the high cost of living. If your account has been turned over to a debt collection agency, you can send them a letter telling them not to contact you. This will not erase your debt or stop any court action against you, but should stop the harassment. That means that even if a creditor sued you he would not be able to take any of your property.