Bankruptcy Law Questions? Ask a Bankruptcy Lawyer Now.
If your income is below the state minimum you would be able to file a chapter 7 to discharge the debt,
however at this point, you may also be able to work out an arrangement with the creditor for a lower amount or a payment plan, and you can explore that option.
Typically if you threaten a bankruptcy filing the lender would work with you for a payment plan
You should also seek a personal injury attorney for your daughter to see if she suffered any damages, and if she did she may have a personal injury lawsuit against the other driver,
and they may end up paying for the damages,
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