The owner of a small real estate business is being sued by a homeowner that alleges an error / omission occurred during the purchase of a home in 2008. The small business owner files personal bankruptcy in 2010 and to date has no assets. Since the lawsuit filing in 2011, the business owner sustained an injury that caused the closing of the real estate business and left the owner with mounting medical bills. The business owner is still on state disability because of the injury and in debt to medical providers. The insurance policy in effect at the time the alleged error occurred has expired and will not cover any losses. The business owner cannot afford an attorney to defend against the civil lawsuit and worries the plaintiff will be awarded a large monetary award. Question is whether future earnings will be garnished if the business owner recovers from the injuries and returns to work or starts another business?