Hello. I am writing for my husband. We live in GA. Up until last month for the passed 10 years he has been self employed. He was out of work due to an injury and ran up about 50K in credit card debt. All of our bank accounts are seperate. The only one he has in his name is actually in the name of his business. It is not a personal account. The house and the vehicles are in my name only. All the debt is only in his name only. We had not been worried about garnishment b/c he was self employed however last month he got a steady job, today we got a summons to reply to debt within 30 days. It was not an order to appear in court. We have been to an attorney to see about filing a Ch 7, but do not have the $1500 upfront they are asking for to file for us. I was reading the wage garnishment laws and it discusses "disposable" income I dont know what that refers too as we only have enough money each month to pay the utilities and child care. Please help.