Husband and wife borrow $40,000 from the wife’s parents to put a down payment on a house. In the divorce papers, the wife gets the house and all equity, etc.. Both husband and wife are required to pay $20,000 back to the wife’s mother (at $200 a month). Marital debt (credit card debt) was divided and husband had to pay back twice what the wife had to. After the divorce, husband filed for bankruptcy. The $20,000 could not be included in the bankruptcy because it was part of a settlement agreement. The husband did not have an attorney during the divorce, the wife did. Is there anything that can be done to undo this unfair agreement? If not, what happens if the husband stops paying? Can they make the husband pay all of it back at once? If they garnish wages, what happens if the husband doesn't have a job?