The phrase "judgment proof" means that a person or entity is unable to pay or satisfy a court judgment against them because they have little or no money or assets that can be taken to cover the debt. Full definition
I'm assuming the nonprofit law firm did not advise bankruptcy because you are basically judgment proof already. (creditcards.com)
Maybe you're permanently judgment proof and the lawsuit is correct, in which case you may be best served by not answering the suit at all. (natlbankruptcy.com)
And there are more and more people essentially judgment proof, who should do absolutely nothing at all. (getoutofdebt.org)