Find the best financial services for you at: SMARTFINANCESOLUTIONS.NET - Has anyone been sued by a Creditor for a debt and the judge didnt make you pay the full amount? - I spoke to a bankruptcy attorney and he keeps trying to convince me that bankruptcy ch 7 is the best way to go. However, I wanted to wait til the hearing to see if the Judge will give me a break on the amount. The debt is 20,000 and I've been unemployed since January, and I have no assets. Please let me know how youre court hearing worked out and if you received a deduction on the full amount and if so how much. Thank you! -