My hunch is that they weren't as penniless as they claimed. We already know the house loss and Tim's illness are based on alternative truths or exaggerated. So why should we believe they had an empty bank account and no belongings of value?
The penniless aspect hasn't really been scrutinised here. The book conveniently gets around it by claiming all of their savings went into legal fees. Only then do they represent themselves which is what causes them to not follow due procedure with the shining white letter of truth.
But given what we now know about the court action, is it plausible they spent all their savings on legal fees across 2 to 3 years to stop being sued? I'm not a legal expert but is it possible to stall litigation when you are being sued for a debt that is demonstrably something you signed up for?
Meanwhile, as I mentioned in a previous post, it's become evident they moved "loads of stuff" in 2015...stuff which most likely was the contents of their repossessed house.
In short, I don't buy they were penniless.