Mansfield, GA Bankruptcy Law Firms & Lawyers

If a Court already adjudged that a debt was incurred through fraud, a creditor can come into bankruptcy court and ask the Court to rule that such debt is nondischargeable and will likely prevail. However, if no Court has decreed that fraud was committed, the creditor would have to come into bankruptcy court to get a ruling from the Bankruptcy court and intent is the biggest factor as to whether the debt is dischargeable. If the creditor cannot prove intent, the Court should rule that it's dischargeable.

Social Security is exempt from garnishment, but to be safe it should be in a separate account. I don't know your state's laws about garnishing unemployment. If you file bankruptcy before the garnished money is turned over to the court your lawyer should be able to get it back for you. As to whether to file bankruptcy, it will stop all collection efforts from past debts and it will stop more garnishments. You may qualify for legal aid or for referral to a lawyer who will do it for free or for a reduced fee.