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We filed bankruptcy in March of 2009 and our house was foreclosed in the same month, my bankruptcy attorney did not inform me that we were still responsible for the HOA fees, now the HOA has a judgement against us and have filed a writ of garnishment against my wages. I am the only one working in my household, we have also have a daughter in college living with us and my husband has been out of work for almost 2 yrs. Can they garnish your wages regardless of the financial plight it would put you in? Is financial hardship enough of a reason to request a hearing?