I'm headed for bankruptcy. :( I've never done it in my life and do not wish to start now. Is there anything I can do to get a "debt" waived or significantly reduced? I support a family of 4 in San Diego on less than $1800/ no. State of az claims I owe them nearly $10,000 after interest to repay undeserved unemployment insurance funds. No fraud was involved. Their employee/ deputy lied to me though and that is why I now "owe". ThanksI mean: Is there anything I can do as an alternative to bankruptcy? I know there is a statute of limitations on regular debt, but is there one on state debt? I mean can they garnish after 7 years or whatever? Does it matter that I live in Cali but owe AZ? Thanks.