Sometimes creditors seek wage garnishment that can be prevented by filing for bankruptcy. It is always best to consult an attorney that specializes in this type of circumstance.

When there is no money or not enough to pay creditors then the debt is too high and debt relief is needed. People that lack enough monthly income to pay their creditors especially after they have paid basic living expense.

Bankruptcy discharges all debt where you never have to pay back the debt ever again.

This allows the debtor to have a fresh start.