social security funds are exempt from collection by creditors.
You can also, of course, file a bankruptcy case, but if you have no assets and only SS income, then it's probably unnecessary.
I have never heard of a "home bankruptcy".
Mark J. Markus, Attorney at Law
Handling exclusively bankruptcy law cases in California since 1991.
http://www.bklaw.com/
bankruptcy blog: http://www.bklaw.com/bankruptcy-blog/
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