Great advise

Thank you!!! Yes, I have a Retirement pension as my only income, so it looks like I am judgement proof. I will bring this letter and my income proof to the court

Do not bring my email to court. It means nothing in court. Also being judgment proof does not mean he can not get a judgment, just he can not collect. He can make you show up incourt every six months and ask very intrusive questions about your finances and the court will force you to answer any questions he has about your finances and give him copies of any documents he wants including all your bank statement, tax returns and credit card statements and that is just for starters. If you have proof of payment, bring it. You should absolutely tell the truth but you should the most common defense of a lair is that he paid but does not have any proof.

Do not bring my email to court. It means nothing in court. Also being judgment proof does not mean he can not get a judgment, just he can not collect. He can make you show up incourt every six months and ask very intrusive questions about your finances and the court will force you to answer any questions he has about your finances and give him copies of any documents he wants including all your bank statement, tax returns and credit card statements and that is just for starters. If you have proof of payment, bring it. You should absolutely tell the truth but you should the most common defense of a lair is that he paid but does not have any proof.

I didn't mean I was taking your reply to court, I meant I would bring my retirement pension letter to court,my title for the '99 Saturn I own, and a copy of my bank staement which is only open for my check deposit. I have no other income nor bank accounts nor assets.

The letter I meant is the sample "judgement proof" letter stating I have just a retirement pension for income and no assests, and of course cancelled checks of payment Sorry to be confusing

I would agree you should just take in proof of retirement income, and your cancelled checks indicating that you paid for what you bought. It sounds like this could very well go your way and not have to invovle a bankruptcy.