Is there a judgment against you or has someone sued you for a debt and you don't think you can pay? You might be judgment proof. Watch this video to learn what it means to be judgment proof and whether it applies to you. Note: Since the filming of this video, personal property exemptions from debt collection have increased. Family exemptions are now $100,000 (up from $60,000), and exemptions for an individual are now $50,000 (up from $30,000). Updated March 2019.