"Your worry over being sued is not unfounded, as many credit card companies and debt collections agencies sue debtors routinely. This is can be a matter of consternation for many account holders who don’t understand why they would go to so much time and effort when they have no possible way of paying off the debt. There may be little to nothing for the plaintiff to collect through judgment enforcement; in fact, you may even be completely judgment proof without employment or any property or financial accounts to seize."
Read the entire article on the official Fitzgerald & Campbell, APLC blog.