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If the creditor is able to get a determination from the judge that the charges were fraudulent, that means those charges will not be dischargable. The charges in question would only be for the period that was 90 days before you filed your Bankruptcy, not for the charges that were made 2 and 3 years ago.
This means that unless you admit that you had no intention of paying the charges from 2-3 years ago, only the charges for the bed and the charges at Lowe's can be determined to be non-dischargable.
If these are determined to be non-dischargable, the creditor cannot put a lien on your home if you file or have filed a Homestead Declaration, which you can do if your home is on less than 10 acres in a city, or on less than 100/200 acres if it is located outside a city.
And they cannot garnish your wages, as wage garnishment is not allowed in Texas for this type of debt.
I think this is what you wanted to know. If not, please let me know.Thank you!
When did you make the charges?
When did you file your Bankruptcy?
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