I was sued by a creditor and do not have the money at the moment to pay. What happens now? I do not have a job for them to garnish my wages. Also, I was considering filing bankruptcy. Is there a way to do this without a laywer? I have about $ 6000-$ 7000 in credit card debt. Would anyone recommend filing bankruptcy? I cannot afford to pay this debt right now and I thought bankruptcy was the best and cheapest option.