Posted on March 25, 2009 at 3:04 am A creditor cannot garnish a debtor with any assets or income, so the "Take No Action" approach would be the correct option, especially if the debtor does not expect to have a steady income or property a creditor could attempt to seize.Bankruptcy prevents a person's creditors to get a judgment against them. With a judgment a credit or can attempt to garnish wages or seize certain types of property. However, if a debtor has no wages (because they are unemployed or retired) and has no any seize able property, meaning a judgment would have no impact on their financial situation. Normally seven years of time passes in most jurisdictions the debt is removed from the debtor's credit history.Can you think about it?