Can you file bankruptcy on a garnishment?

Can you file bankruptcy if you had a car that broke down so you got a loan for another car and they haven't repossessed the first car yet but want to do a judgment and garnishment?

• Answer:

  There isn't enough information available to answer this question effectively. If this is your only debt you are filing bankruptcy on a relatively small amount of money. It'll cost you at least $1000 to file Bankruptcy. In my opinion it would be foolish. I wouldn't file Bankruptcy until you are forced to file, I would have to be in debt to my eyeballs and then some before I filed, it's a last resort. I would get a beater car for $1000-2000, work an extra job to make the money, sell something, sacrifice deeply. Try to buy a car without borrowing money. Borrowing on your last car wasn't a blessing, why would you do it again, if you continue on the same path you'll continue to get the same thing. Talk to the company or bank that is holding the lean on the car, explain the situation and attempt to release the lean. Don't be snotty, you are begging for mercy here. I would stop paying on the old car and save the money towards paying cash for a new car before I filed for bankruptcy, then when you are back on your feet settle the bad debt. It'll hurt your credit but it's still better than filing bankruptcy. Filing Bankruptcy is not some kind of "easy Button" if you are looking for an easy button you'll never be truly successful and you'll always be an easy target. Nothing that's worth it is easy. If you ask an attorney this question they will most likely tell you to file bankruptcy, after all that's how they get paid.