Is bankruptcy necessary if the only assets I have are a car that is paid for and personal items?

If you don't want to worry about your creditors garnishing your wages (when you have them) and seeking to seize funds in your bank accounts, etc., then bankruptcy is an option you should consider.  There are many factors that weigh in one's decision to file a bankruptcy case.  You should have a consultation with an experienced bankruptcy attorney in your area to help you assess the costs and benefits in your situation. Mark Markus has been practicing exclusively bankruptcy law in California since 1991.  He is a Certified Specialist in Bankruptcy Law by the State Bar of California Board of Legal Specialization,  AV-Rated by martindale.com, and A+ rated by the Better Business Bureau. CONTACT MARK for more information or to schedule an appointment.