I owned a landscape business that I had to close last year because of all of the rain Texas received. I had a line of credit with Bank of America and a line of credit with my parts supplier. In total I owe them about 45,000 dollars. I tried to file bankruptcy, but was kicked out by a judge today. My question is....I KNOW these two creditors are going to file a judgment against me as soon as possible. What can they do to me? I live on a teacher's retirement salary (which is hardly anything) and I share a bank account with my husband. Can they seize my bank account (his name is nowhere on the business debts) My lawyer wants me to refile a 100% bankruptcy and pay him all over again. Should I do that or just wait and see what the judgments will do to me?
All responses are greatly appreciated. Thanks in advance.