The BK from 5 years ago is basically irrelevant....it covered things from before, not after.
Garnishment is NOT automatic, the creditor takes actions, that they would prefer ot to, to establish it.
You don't have a right to change the terms of the loan agreement and make lower payments...but a lender may agree to allow you to do so. It is essentially refinancing your debt...and as you've shown again you aren't a responsible borrower...don't be surprised if they want the assurance of being paid automatically by garnishment.
What percentage who bought houses because this act that gave them affordable have defaulted on their paymnets?
yes, it is a form of restitution as they will probably have a registered office in the country that they wish to take court action. The reason for doing this while on benefits is that they can receive and order to state that payment is still due until you are to get into osition to make paymnets. Like wise if you look at the terms if the agreements tbat you signed (a summary will be on the back of the statement of their web site) it will give you full details. No. Civil action does not carry over from one country to another. In some rare cases such as American Express or other major financial institution a civil suit has been allowed under the existing laws and the appropriate state court where the debtor resides. Regardless of the circumstances surrounding the incurrance of the debt, Social Security benefits of any type are 100% exempt from creditor action.