You are almost certainly "collection-proof," but that won't stop "quick loan" company from harassing you with telephone payment demands and suing. You have a rep. payee because someone involved with your disability claim suspected that you could not be trusted to make financial decisions in your own best interests.
Best wishes for an outcome you can accept, and please remember to designate a best answer.
This answer is offered as a public service for general information only and may not be relied upon as legal advice.
While you won't be able to be sued for the loan you are still responsible and it can effect your credit. Rather than just blowing off the loan and informing collection callers to not call again you may wish to contact the company that gave you the loan and work out a more equitable payment arrangement.
I agree with my colleagues' opinions. Being collection proof is not the same as getting out of the loan. If yoiu have any other assets, they will look for and likely find it. Depending on the amount, you may want to talk to a bankruptcy lawyer about your options.
Good luck to you.
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