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  1. I was just wondering if any self employed people on here has ever heard of becoming an limited liability corporation to keep the creditors from garnishing your bank accounts? I was doing a search on here and couldn't find any threads on it. I've been reading about it all day, and it looks like a good option, but just wanted to get some other opinions. I have over $25,000 in debt over 4 credit cards. And 1 of them is about to sue me. So, was just looking at my options on what to do to protect my business accounts.