I was served in a civil suit in the amount of $3500. I cannot dispute the claim, i know I owe the money, but I do not the the means to pay. I own a car that is worth very little(maybe $500), and do not own anything else. I work for $9.45 and hour through a temp service at the moment and live paycheck to paycheck, so garnishing my wages would be disaster to me and my family. Is bankruptcy my best option?