what is judgment proof 
judgment proof or judgement proof refers to a person who does not have enough income or assets to pay a court judgment against them a debtor who is broke and unemployed can be considered judgment proof as can one whose only assets or income fall into certain legally protected categories 1understanding judgment proofwhile the law can vary from state to state in general a person must meet two criteria to be considered judgment proof the first is the absence of adequate income someone who is unemployed or working in a job that pays them barely enough to survive may fit into this category certain income including court ordered child support and alimony social security unemployment benefits and disability payments is generally exempt from garnishment by creditors or debt collectors the second of the two criteria is a lack of assets such as bank accounts or real estate that could be turned over to creditors to help satisfy the judgment in many states the person s home and certain other possessions are shielded from collection 1