Credit Card Company Sues You by: Debtcollectionanswers
Having an account turned over to a collection agency does not necessarily mean that you are going to be sued for the money that you owe. A collection agency cannot sue you unless it is a law firm. Only a lawyer can sue you. If the agency is not a law firm, then it will use calls and letters to try to get you to pay what you owe. Eventually, if its calls and letters don't work, your account may be turned over to a attorney so you can be sued or if your account is already with a law firm, it may sue you.
If you are sued and the court issues a judgment against you as a result, your SSI income is exempt -- it cannot be taken to satisfy the judgment. However, if that income is in a bank account with income from other sources and the judgment creditor gets the court's permission to seize the money in the account, your bank may mistakenly allow the creditor to seize your SSI money. If that happens, you will have to prove to the court that part of the money that was taken was your SSI income so you can get it back. For this reason, if you have multiple sources of income, it's best to keep your SSI income in an account that is separate from the other sources.
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