Then a bankruptcy will make no difference. Debts you get into after you file bankruptcy cannot be added to the bankruptcy. Many unemployed people wait until they go back to work, for example, before considering bankruptcy. If you do this, be sure to go to a lawyer if you get any garnishment papers or papers from a court. Also, remember that you do not have to let anyone into your house to repossess anything unless they have a court order.
Many people choose other ways to deal with their debts.
This is a voluntary plan with a creditor in which a counselor will help you make a budget, and pay your bills from an amount you agree to set aside each month. There is no charge. As long as you make the payments, your wages cannot be garnished. The material in this publication is intended to provide general information only and is not a substitute for thorough and specific advice on an individual case. Depending on the complexity of your legal problem, you may need to consult an attorney for advice or representation.