No! Except in cases of I believe child support, or money owed to the I.R.S. And stuff. But your average VISA, MASTERCARD, or J.C. PENNY charge account?
No they can't garnish you once you file chapter 7 or 11, or whatever. Of course if you open a new line of credit AFTER you file, then yeah, 'cause you cant file bankruptcy again for 7 years I believe it is. (But what idiot, would wind up back in bankruptcy so quickly?
Filing is such a nightmare now, it makes you want to manage your spending much more carefully).
I cant really gove you an answer,but what I can give you is a way to a solution, that is you have to find the anglde that you relate to or peaks your interest. A good paper is one that people get drawn into because it reaches them ln some way.As for me WW11 to me, I think of the holocaust and the effect it had on the survivors, their families and those who stood by and did nothing until it was too late.