Being uncollectible might not stop creditors from suing you. If you are sued, respond to court papers and do your best to defend your case. Read the article Going to Court to Defend a Debt Collection Case to learn more.
A creditor with a judgment against you can try to collect it by garnishing you or seizing your property. Being uncollectible means you don’t have money that can be garnished nor property that can be seized. So your creditor has very few options to collect the debt.
If a creditor tries to garnish your exempt money or income, you can object to the garnishment. Read the article Objecting to Garnishments to learn more.