My husband and I are both on ssdi.We were unable to live on our ssdi and pay our 3 credit card payments.We called a debt counsellor whu told us to write a letter to the creditors telling them the only money we have is what we get from ssdi and we are unable to pay them. We did this but I'm not certain this is right for us. The creditors are calling and I have'nt answered their calls.Should I? We told them in the letter to contact us only in writing. Also I have an elderly mother who may leave us a small inheritence.Could this be garnished in the comming years?