I lost my business due to divorce and have a judgement by my ex who is very litigious which is how I lost my business. I have filed back taxes for the past 5 years personally and for the business and owe a significant amount but have no means to pay. I have half custody of our minor child and want to maintain that so I don't lose her. I am looking for a job but want to avoid garnishment if possible. Is it better to file bankruptcy?