We live in CA. My husband is being sued for $17,000 over a truck for a business he tried to start but failed. The truck was repoed a few months after he financed it. Our car in both our names is charged off and a collection agency is trying to get us to pay $6000 to keep it. We don't have the money. We're living in a trailer at my parents house because we had to sell our house 1 year ago when the company my husband worked for closed. I was working in the school district and because of CA budget cuts my hours went from 8 a day to 3, I had a baby and quit 2 years ago. I owe about $6000 in credit card debt. My biggest fear is my husband's wages being garnished because we're having such a hard time now and don't even have a house. Should we file bankruptcy? Do we both have to because we're married? Can they garnish his wages given our situation?How hard is it to get a home loan after bankruptcy? Thanks to anyone who answers!