about bankruptcy

In a chapter 7 yes. In a chapter 13, not necessarily. If you are already in judgement you should get to an attorney fast. Usually chapter 13 will STOP garnishments..........I would speak to a lawyer on MONDAY! Chapter 7 wipes everything out and chapter 13 you could keep your home, etc and stops future judgements, garnishments, liens, etc.

Terry

I haven't got a judgement, yet. The JDB hasn't sued yet. I sent a DV letter. The SOL is Oct. 2006. I am just afraid the JDB will sue me becasue the amount is $12,000 with their fees and interest.

I don't have a home or an income. I have a diamond ring insured for 10,000 (but to sell it for 10,000 is not possible...I have tried) I have an old beat up car that doesn't run. (I drive my fiance's car)I have a hand carved doll insured for $4000 but the doll market is down and I can't get $1000 for it.
I just don't want to loose those few things I have for one credit card debt.

Consult a debt counselor before the credit company files a judgment against you. He will negotiate with your lenders and arrange your payment plans. You can talk to one of the counselors after registering in this site also. Do it fast before it gets late.