An insurance company is suing on a claim for a past car accident; I declared bankruptcy in 2005 what can I do?

The insurance company has a valid cause of action against you if you did not have insurance on the car and the insurance company had to pay $16,500 to settle the case under the uninsured motorist policy carried by their insured.  However, I do not believe that your SSI benefits may be garnished if the insurance company gerts a judgment against you.  Since you have no assets of your own, the insurance company may get a judgment that they will never be able to collect on and therefore, the judgment will be worthless unless you start making money at a job and the insurance company learns where yo work and garnishes your wages.  I suggest not responding to them as you have nothing they can take.  I would also call and speak to a lawyer about when the next time you may file BK to discharge this judgment.

SSI benefits cannot be garnished they are "exempt" funds.  However, your bank account can be "frozen" until you prove this; this is a tedious and time-consuming process.  The easiest thing is to not have an account in your name.

As for when you can next file bankruptcy:

A debtor cannot obtain a discharge in a Chapter 7 case if the debtor obtained a discharge in (a) a Chapter 7 case filed within the past 8 years, or (b) a Chapter 13 case filed within the past 6 years.

A debtor cannot obtain a discharge in a Chapter 13 case if the debtor obtained a discharge in (a) a Chapter 7 case filed within the past 4 years, or (b) a Chapter 13 case filed within the past 2 years.

The time period is measured from the commencement date of the case; the date of discharge has no bearing..