Just served a summons from a debt collector on a credit card and it states for Breach of Contract. I own no property, get Social Security Check for a disability and only work one-two days a week due to my health.

Wrote to the credit card company back in 2004 telling them of my financial circumstances and also asked that they do not call the phone number as it is not in my name and to please contact me only by mail. Also from advice from the debt consolidator at the time put "Judgment Proof' on the letter.
Now they are calling constantly and leaving taped messages for me to call.

What will happen and what are my options?

Probably the debt was sold again and the do not call info was not passed on on. Send the new harassers a letter telling them to back off.

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Originally Posted by ScottGem

Probably the debt was sold again and the do not call info was not passed on on. Send the new harassers a letter telling them to back off.

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Thanks for your information! Would really like to know what to expect for the Breach of Contract? Will they file a Judgement or is this something completely different? What are my options and or what do I need to do to prepare for this action?
Thanks for your input!

If you borrowed money and did not pay it back you are in Breach of Contract. If the SOL hasn't expired they can get a judgement against you. But, as you noted, you appear to be judgement proof.

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Originally Posted by ScottGem

If you borrowed money and did not pay it back you are in Breach of Contract. If the SOL hasn't expired they can get a judgement against you. But, as you noted, you appear to be judgement proof.

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Thank You for all your help!