creditors and social security disability waiting period

What is the name of your state? maryland
in june of 2003 i was recommended for permanent disability due to severe lung disease, severe disc deterioration in my lower back, deteioration of the cartiladge in left hip, and severe anxiety disorder. my first application for ssi was denied and a reconsideration has been requested. i currently receive 185.00 per month from the state to pay bills. needless to say this is impossible. i'm borrowed out from friends and relatives and i am unable to pay credit card bills, creditors call repeatedly and i've explained my situation to them over and over but they keep calling and threatening with legal action. i need to know what to do, and what can be done to me? i have a disability advocate working on my social secutity claim and he tells me that i'm basically untouchable at this time because of no substantial income, is this correct? someone please give me some advice!

[Ladynred]

Your advocate is essentially correct. With no paycheck there's nothing for any creditor to garnish should you be sued. Once your disability goes thru, it is 100% exempt from siezure in both judgments and bankruptcy. The same goes for the check from your state - its public funds.. it cannot be siezed.

How far behind are you in your payments ? If you're still dealing with original creditors, they can be merciless and are not bound by the same laws that stops collection agencies from harrassing you. Since its unlikely you'll be able to salvage these accounts before charge-off, you're going to end up dealin with CA's before too long. Write the creditors a letter and lay out the details of your situation and ask that they not call you, but contact you by mail only. While OC's are not required to honor a cease and desist letter, some will honor the request. Once they go to collections you have more leverage to use to stop the calls.

ladynred: thanks for your reply, you really helped put my mind at ease!