Yes, you can be sued for unpaid credit card debt even if you are retired and living on a fixed income such as Social Security or a pension.

Here are the key points to consider:

If you fail to pay your credit card debt, creditors or debt collectors can file a lawsuit to recover the money you owe.
If the court rules against you, a judgment may be issued, which could allow the creditor to pursue various collection methods.

Social Security benefits are generally protected from garnishment by creditors. Federal law prohibits creditors from taking Social Security payments to satisfy unsecured debts like credit card debt.
Pension benefits are also protected in most cases, but this can vary depending on the type of pension and state laws.
Funds from these sources should be directly deposited into your bank account to maintain their protected status. Commingling these funds with other income might make it harder to prove their source and protect them.

If a creditor wins a lawsuit and gets a judgment, they might attempt to garnish your bank account. However:
- Protected funds (like Social Security) are exempt, but you may need to prove this to the bank or the court.
- Some states have additional exemptions that protect retirement income.

Many states have laws protecting your primary residence and certain personal property from creditors.
If you own significant non-exempt assets, those could potentially be seized to satisfy a judgment.

Creditors might be open to negotiating a settlement or payment plan if you explain your financial situation.
Debt settlement companies can help, but be cautious and research their legitimacy and fees.

Creditors have a limited time to sue for unpaid debt, depending on the state’s statute of limitations. If the debt is old, you may be protected from legal action.

If you have overwhelming debt and no way to pay, bankruptcy might be an option. Certain assets and income (like Social Security) are typically protected in bankruptcy proceedings.

If you’re being sued or worried about potential lawsuits, consult a consumer rights attorney or a legal aid organization to understand your rights and options.

Would you like advice tailored to your specific situation or help understanding laws in your state?

Can You Be Sued if You Owe Money on Credit Cards (Retired, Social Security, Pension, Fixed Income)

Debt Settlement