No, Zigy, how much you owe has nothing to do with anything. Creditors who are owed a lot of money have no more rights than creditors who you only owe small debts to. Your check from SSDI or SSI is "judgement proof," as far as consumer debt goes. Read the following article: https://www.disabilitysecrets.com/page1-18.html

Yes, creditors will likely sell your debts to collection agencies. They'll bother you a lot. But they aren't going to pay lawyers to sue you for money that no judge will give them.

Part of why debt collectors call and bother people is because they realize that many people don't know their rights and get unnecessarily scared. Never be scared when a debt collector calls. And know that it is not illegal to hang up the phone on a debt collector.