What happens to credit card debt if you become disabled and can’t work?

A sudden disability can drastically alter your financial situation, making it difficult to manage existing debts. When you become disabled, your income may drop significantly, often relying on disability benefits that cover only a portion of your previous earnings. Despite this change, credit card debt remains, with interest and fees continuing to accumulate. If payments are missed, late fees and higher interest rates can apply, and after about 180 days, the debt may be sent to collections. This can lead to collection calls and potential legal action, such as wage garnishment. However, certain income sources like Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI) are generally protected from such actions. This situation is increasingly common as many Americans face high levels of credit card debt, exacerbated by unexpected life changes like disability. QUESTION: How might the financial challenges faced by individuals with sudden disabilities influence the way society views and supports people with disabilities?