I'm 56 yrs. old, live in New Jersey, on permanent disability (SSI and Medicare), and owe 30,-35, thousand dollars to 4 or 5 credit cards. Two credit card companies have already started law suites against me. I want to keep my home, because to sell it and rent, would cost me more than my present mortgage payment. Bankruptcy is not an option for me because of that. I was told that my disability monies can't be touched, but other assets can (stocks, CD's, other bank accounts etc.). I do have 16, thousand dollars in a qualified retirement account set up by my union at my longest job which was 18 yrs, that job ended in 1996. My question is "Are the monies in this retirement fund able to be attached, taken, used to pay my debt???" "Can a judge take that money to pay my creditors???"... Thank you for your help.

