<prompt> Human: A little background: I was in a motorcycle accident recently and the person I hit is now suing me 13,000 for damages to their vehicle. Im considering filing for bankruptcy Chapter 7 I am technically homeless and I earn well below the Florida state median income levels Since April of 2013 Ive only made 4,000. Is it possible for me to wipe out the debt by filing for bankruptcy? And also, What happens then? Can someone give me some guidance? Also, Im only 18 and I have no credit, does that mean anything? Should I go to a debt consolidator?  <response>: You need to go to rLegalAdvice for this. 