I had placed this question to a bankruptcy attorney but havn't heard back in three days could you answer this question :My son did not have bodily injury ins in fla. my son may have a judgement placed against him for an automobile accident that he did not carry bodily injury ins on. He has absolutely no assests and he has to go before a judge for a hearing I guess to see if it should go to mediation. The man insurance comp is suing and the man he hit stated that he was sitting at a red light and my son hit him in the rear when on the police report it states both vechiles were traveling , my sons air bags never deployed we cannot afford an attorney and I know we should have one but we just can't . No one was hurt at the time of the accident he drove away and later went to a hospital. they may place a garnishment on his salary for 17,000 what the ins comp is suing for., he is not workiing at this time he is a college student but if this happens can he in the future claim bankruptcy and have this debt removed? We can not afford an attorney at this time to represent him and he has to go to this hearing soon, although no one ws hurt at the time of the accident this man later claimed he was. We live in florida and his ins company did not tell him he needed bodily injury protection when he purchased it. Can he claim bankrupcty in the future and How long would he have to wait if he could claim bankruptcy?