Q: Well considering they are killing me on a garnishment i probably should file bankruptcy
But do i file chapter 7 or 13
A: That depends on an analysis of your finances and debt that your bsnkruptcy lawyer will perform and tell you. If it means anything, the minute you file bankruptcy, the harm stops. So sooner is better than later.
David Earl Phillips agrees with this answer
A: You need to see a bankruptcy lawyer near you to answer that question. It depends on a lot of factors to determine what chapter you qualify for. We look at income, debts, and assets you may have. Without all of this information, it is impossible to advise you of your best option. Hope it works out. Good luck!
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