You may be able to get cash help if you cannot pay your bills because you lost your job, are getting less pay from your job, or had another emergency. The CFPB complaint database, credit card plan survey and agreement database are good places to start if you are shopping for a credit card.Judgment proof means your income is a type or amount that is exempt from debt collection and you have no assets that a company has the right to take. You can watch a short tutorial to explain how to fill in the form. All you do is: copy the sample letter; insert your personal information; and mail it to the debt collection company that is sending you mail or calling you. Debt is any money that you owe to someone else. 13) You just found out that you had a very eccentric uncle who lived quietly in the Bronx. If I am planning on attending college out-of-state should I fill out the TAP application?