How does bankruptcy help when Garnishment is a Threat?
One of the main reasons people consider filing bankruptcy and call a lawyer is when a notice of 
garnishment is received. Sometimes the reason the bill isn’t being paid is because finances are so tight in the first place. When a garnishment notice arrives, or is even threatened, the client looks at their bills and knows there is no way they can pay their mortgage or buy food for their kids if the garnishment is applied.
When a client signs up for bankruptcy the ultimate goal is to erase the debt, meaning the garnishment would not apply. If the garnishment is something that isn’t dischargeable, then the bankruptcy can help because other bills can go away making the garnishment not be completely devastating.