therefore, you will do have the choice of not having to pay creditors for these debts, and avoiding bankruptcy.
In the event the only earnings is SS or SSDI, generally speaking you might be protected from garnishment. Federal law (U.S.C. 42 В§ 407) forbids many creditors from garnishing SS or SSDI advantages (a few exceptions to this legislation are for taxes, alimony/maintenance, son or daughter help, student education loans, plus some federal government debts). This means if you donвЂ™t spend debts that are unsecuredincluding, not limited by medical bills, charge cards, pay day loans, unsecured loans, signature loans, repossessions, foreclosures, previous leases, past utilities, many civil judgments) creditors cannot garnish your advantages for those debts.