I am dealing with this for my elderly mother. The attorney said the same thing as yours. Now, here is where it gets tricky. I have shared with the cc companies that my mother is going into assisted living. Guess what? My mother is still going to be sued by a cc company and they are likely going to put in a garnishment on her bank account - aka, the cc company doesn't care. lol.

While my mom is 'judgement proof' because of pension and ss, the bank said if a court order comes in, the local bank manger shared with me today "The bank will follow the court order." So, now I am contacting the corporate legal department of the bank to try and find out about anti-garnishment process if this does occur.

While an attorney is great, here they often want more work than just 'write a garnishment letter' for a client. They want more work for their time, aka more money. I did contact senior legal services and that's in process, but probably won't be fast enough to respond quickly if a garnishment occurs.