I am not an attorney, and I think your attorney could be right! When it comes to unsecured debt, there is not too much that they can do, especially if you have very little income. However, in some cases they will garnish your wages.
Credit cards are unsecured debt. If you owe a lot they might try to come after you, but then again, only if it is worth their time. No one can take away more than 25% of your wages, combined! That means if you owe many creditors a lot of money, they are just going to forget about you, because they would have to go through too much to get a piece of that 25 % pie. Say if you have 10 creditors and they all garnish your wages, they would each get only 2.5 % of your wages each. For many, that is not enough and they just write it off, they have insurance for this kind of thing like AIG! So, don't feel sorry for these crooks, you have probably already paid them many times over what you owe them, you are probably trying to pay back the 30 per cent interest rate.
If you are living on disability income, they can't touch ANY of that money by law so you are pretty much home free.