Judgement Proof : Lawsuits : Copyright Infringement?

because i allowed people to upload using a torrent program my phone company was served with a subpoena. i called the phone company to see whats up and they patch me over to who it involves. i talk to them and they said they’ll settle for $2500 but if it goes to court they can get like $15k to $150k. he send me a letter in the mail on what i can do to settle. he calls me back i say i don’t have it. he says i have 3 more days to call him back to see if i can come up with the money. i don’t call him back, a week after the day i was suppose to call him, he calls me up and tells me to let him know if i can get the money or call relatives to get it because he doesn’t want us to have to go to court in which he can get a lot more. i think he’s still trying to see if he can get $2500 without having to go to court.
I have no job and the name on the internet account is my mom’s. She gets a 401k and Social Security Disability which i hear is considered JUDGEMENT PROOF. Is there anyway he can collect any form of cash rather it be financial like from her bank which contains her SS Disability money or physical money like a car. we have 3 vehicles, 1 my mom uses, one my nephew uses, and the other one is just sitting in our yard with no insurance so it doesn’t go anywhere. keep in mind, we haven’t been given a summons/subpoena, only her phone company. also as of 1997 rather ur downloading it and selling it or not selling it, i guess because it’s being shared with other people on the torrent program, it’s still considered Copyrighting. if they can’t collect financially in any shape or form, are there still any legal ramifications. can they still collect. i also read that as long as the lawsuit remains open (renewed) and if we win the lottery or if i get a job that pays enough they can collect then, but if i don’t get a job and if we don’t win the lottery, is there anyway for them to collect. i think he also said that just because she gets SS Disability that doesn’t prevent us from judgement, does that mean that doesn’t prevent him from collecting or does that mean it doesn’t prevent us from being taken to court. should we wait until we get a summons/served with a subpoena, also someone told me that if he keeps calling i should sue. if he only calls once a week can i still sue. if i can, if he calls back and i tell him that if he keeps calling we’ll sue, would that just make matters worse or will that make him just drop the case in order to prevent us from making a counter suit against him. will the lawsuit ruin my mom financially in any way, like cause her credit to become bad. The guy said that this is a civil matter. also is copyright infringement, debt collectors, and creditors financially pretty much the same since they are all trying to collect money. in other words, can a copyright infringement lawsuit collect JUDGEMENT PROOF money whereas debt collectors and creditors can’t. basically what i’m trying to say is are Copyright Infringement Lawsuits above the law when it comes to collecting JUDGEMENT PROOF money or is JUDGEMENT PROOF still JUDGEMENT PROOF regardless of rather they are sueing for Copyright Infringement or if they are Debt Collectors or Creditors.
PLEASE ANSWER ALL MY QUESTIONS. as u read, just answer the questions one at a time.
i’ve seen http://probonolawyers.org/?state=NC, but do/can pro bono lawyers and legal aids work on Copyright Infringement cases or only other lower cases like small lawsuits or will we have to get a paid lawyer, in which case we don’t have that kind of money. Oh and also i live in North Carolina, which u can tell from the link i gave u.