A credit card has a firm that put a garnishment on our business account which has my son's name on the account also.

It is not entirely clear from your question, but it sounds like a default judgment was entered in favor of the creditor because no one appeared in...

Is there a way to start a new business ... and then soon after file personal bankruptcy without effecting my business?

First, I recommend that you seek the advice of a competent bankruptcy attorney. Bankruptcy filings that involve businesses add an additional layer...

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I am married and am the owner of a term life insurance policy on my terminally ill spouse. I will be filing personal chapter 7

You indicated that you intend to file for Chapter 7 bankruptcy relief in two weeks. Bankruptcy is a complex area of the law and I recommend that...

I assume that you are asking because you are attempting to repair a poor credit history. As I understand it, a CPN, or so-called "credit privacy...