I have a judgement against me for a credit card from Capital One. They are garnishing my wages at 10% and have been for the last 2 years. The balance owed is $22,049. The unpaid principal balance is $20342 at a 9% annual interest rate. I am told that interest accrues daily at approx $5 per day. I have $656 of accumulated interest and have paid approx $5056 in the last 2 years. Each paycheck they take out anywhere from $80-$100 depending on the wages I earn for that paycheck (i get paid hourly). How do I know if filing Bankruptcy is the right course of action. And is it even possible for this to be done for free or atleast inexpensively. I am a single mother of 2 children with a gross income o $27,000/year. Thank you in advance for any and all advice.