I have not worked for over a year cause I am on disability, and I also receive a retirement from my deceased husband,

Each state has various exemptions to collection actions.  You should contact a local consumer rights attorney to determine what exemptions your state may contain.   Most consumer rights attorney offer free initial consultations.  If you are unable to afford an attorney there are legal aid clinics available in some locations that might be able to assist you.  Please see: http://www.lawyoming.org/ This is not intended to be legal advice, and is general in its nature. No attorney-client relationship exists or is formed by this information. Furthermore, this does not represent the views or opinions of LexisNexis or its affiliated companies.