i am being taxed and ss retirement beign deducted at 200 dollars per month

You should consult a local bankruptcy attorney or consumer rights attorney to determine how to proceed.  Most bankruptcy,consumer rights attorneys offer a free initial consultations.   There are too many different variables to answer that question as it currently is asked.  It depends on numerous factual issues and a local attorney can determine how to proceed considering your unique situation. This is not intended to be legal advice, and is general in its nature. No attorney-client relationship exists or is formed by this information. Furthermore, this does not represent the views or opinions of LexisNexis or its affiliated companies.