Can income be levied by judgment? 17 Answers as of September 21, 2011

Your Social Security and pension income may be all or partially exempt from execution, even if the creditor obtains a judgment. If the social security payments are directly deposited into a bank account, then so long as there is nothing else in that account except social security payments, the account is exempt from execution. The pension payments are exempt to the extent of 75% of the amount paid.

Creditors can levy on bank accounts up to a percentage of income of debtor.

Yes, wages and money can be garnished and levied by a creditor if you fail to pay them. First they usually must sue you, then obtain a judgment against you before they can take these actions. Income such as social security, that is "fixed" is not subject to wage garnishment, or bank levy. However, if you are receiving fixed income, it's recommended to no "co-mingle" this with other income you may have that is not fixed income, such as regular wages, which can make it tricky to determine how much was fixed income and how much was earned wages if a creditor does restrain the bank account. From the looks of it, you sound like you are uncollectible, meaning that you don't have any wages, income or property that the creditors can obtain from you successfully. Therefore, you may be able to avoid the summons all together, meaning do nothing about it, since it may be the case that there isn't anything they can do to you if they actually won the judgment against you. If concerned, you can seek the advice of legal aid or attorney who is willing to do an initial free assessment to specifically determine if this is the case. If you wanted to do your own bankruptcy, you may be able to do so with the help of some self help resources, legal aid, pro bono attorney. The filing fee is about $299, but you may be able to get this waived if you qualify.

You need to file for bankruptcy. You can get rid of the debt in a bankruptcy filing.

There is nothing they can do to you. Keep track of the calls; send them a certified letter with a return receipt telling them not to call you anymore. Keep a copy of the letter and keep the receipt. After that write down every call, date and time. Take a picture of the incoming calls if you can. When you have about 6 months of calls, see a lawyer about an action based on the Unfair Debt Collection Practices Act.

You can afford a bankruptcy it may take some time, but may attorneys will take payment plans to get you out of debt.