>>Even if you were found liable in civil court you wouldn't lose all of your income forever. You would be able to declare personal bankruptcy and clear the debt

>>Even if you were found liable in civil court you wouldn't lose all of your income forever. You would be able to declare personal bankruptcy and clear the debt. I guess it depends. From the net: "Instances in which a court ordered judgment won’t be overridden by bankruptcy include debts related to: Student loans Any debt owed to the government, including taxes and fines Court ordered awards related to criminal proceedings"