If the judgment was not for a type of debt excepted from discharge in 11 U.S.C. 523
, then it is likely dischargeable in bankruptcy.
This means, if it wasn't for fraud, money obtained under false pretenses, etc, then it may well be dischargeable in bankruptcy.
I suggest you talk to another bankruptcy attorney, and if they turn you down, ask them what section of 523 they think your claim falls under and why. If they have no good answer, then it is possible that you can discharge the debt in bankruptcy, or at least may be worth a shot considering how inexpensive bankruptcy is compared to $95,000 - it may be worth the risk. The fact that your only income is social security also helps since the plaintiff will have to decide if they want to throw more money at your case, fighting in bankruptcy court
If you decide to file bankruptcy, you can likely file alone since married persons do not have to file a joint bankruptcy case; it is possible for a married person to file an individual case without their spouse.
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