[Maursault]

Wrong. That is the whole point of declaring bankruptcy, because the debts can't be paid. Nearly all debt, including civil damages, will be wiped clean, and this includes one's own attorneys fees. Why would you say these things when it is abundantly clear you have absolutely no idea? If what you said was true, no one would ever declare bankruptcy. It's the whole point of it, to be free of debt. No one gets their wages garnished after declaring bankruptcy. Never happened, ever.

[0] https://en.wikipedia.org/wiki/Chapter_11,_Title_11,_United_S...

[phphphphp]

Depends on the type of bankruptcy and in what jurisdiction. Even in the US with very creditor-favourable bankruptcy laws, you can’t just declare bankruptcy to get out of financial obligations: owing a bunch of people money is not the basis for bankruptcy. Yes, if bankruptcy is approved, wage garnishing will stop, but it can resume depending on the type! Bankruptcy is not a get out of debt free card, it’s the last stop after ruin.

[Maursault]

Before ruin, you mean. It prevents ruin, defranchising and homelessness. The worst thing about it is what it does to your credit rating. That's not unbearable.