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I am disabled, fully, due to car accident, back injury, knee injury, cardiac arrest and cancer.. I suffered some disability payment loss about 13 years ago, out of the blue.. idiots! anyway, could not pay credit cards, had to keep roof over my head, and such.. almost lost everything!! They all wrote them off.. I don't care to ever have credit again. I have a home, buying one.. I get SSD and SSD for my kids and child support. I am judgement proof I have told them that all along!! Today, I got a letter stating X company ( 13 year old bad debt)filed judgement against you. IFi I had the money I would pay. I have 40000 in medical bills and that is growing. ( glitch in insurance and crisis, cardiac arrest 2 weeks before it came back in force) .. I have a letter prepared to write company, but did not send yet, their letter arrived regular mail today! Is this legal after 13 years, and can I do anything, although, no money to pay. I wish i could! I will some day, God willing pay every dime!