Being judgment proof means that you don’t make much income, have a lot of money in the bank, or have assets that a creditor could seize to pay off your judgment. If you are judgment proof, a creditor can still obtain a judgment against you. However, they probably won’t be able to collect on the judgment. However, they can obtain a court order requiring your appearance before a court to answer questions on your assets which could be a great inconvenience to you and result in having to possibly changing bank accounts , etc. nnIf you make below a certain amount of money, then a creditor also cannot garnish your wages. They also cannot attempt to satisfy the debt by going after your Social Security, child support, unemployment, public assistance benefits, or veterans’ benefits. To learn more about how you can stop wage garnishments or collections on a debt judgment, give our law office a call for a free consultation.