You got a lot of help last night. Let's see if I can contribute! First of all, you need some help from your children, family, church, etc. for legal fees because you do need a lawyer. Secondly, are you ABSOLUTELY SURE all of your debt is credit cards? No home equity loan or equity line of credit? No loan from House Hold Finance etc? Do you still have a mortgage on your home? Having asked these questions, and the answer is no then I think either your lawyer or you misunderstood something. Unless you live in a weird state, cc debt is unsecured. Yes, they can sue to recover money and they can place a lein on your home but no way in heck can they force you to sell the house. The lein just stays in place and must be satisfied if and whenyou or your heirs sell the property. As to S.S. Remember, it is an EXEMPT ASSET! Meaning, it is exempt from creditor seizure. To prove that, you must file bankruptcy and have that noted on the petition. If not, they can win in court and then freeze your bank account. You can go to court to overturn the action, but that will take time and more expense. Better to handle it once the right way and be done with it. Have you tried your local county or city bar association for legal help? They maintain a list of lawyers who will do bono work and many do so. How about a legal aid society in your town? What about your local chapter of the AARP. Often times they have retireds lawyers that will handle things like this. You can beat this thing but, you need to be very sure of the facts and call out the calvary.