what makes me judgment proof
A person is only judgment proof if there are absolutely no avenues available for a creditor to collect a debt. For example, California exemption laws [1] allow for single debtors to protect up to $75,000 of equity in a home. If your only asset is a home with only $25,000 of equity, you are judgment proof. None of your assets can be taken by creditors in satisfaction of past-due debts. Although, an Abstract of Judgment can be recorded that acts as a lien against your home and accrues interest for the time it goes unpaid.