Federal Annuity

we are old and can not work to pay the credit company and have no family to pay

No, he must go to court they will be means tested, and probably you declare bankruptcy do not comply with all the letters and do not let you intimidate door knocker and not leave them in your home, nobody has the right to take property or money from you without going through the county court.

If you receive calls, go to your local legal aid. There should be no charge for their services, since you are elderly.

Not only the IRS