Stop Garnishments.

The moment you file for Bankruptcy, no matter what kind of Bankruptcy (Chapter 7, Chapter 11 or Chapter 13) you can stop garnishments immediately.  You will immediately obtain the Automatic Stay which prevents creditors from garnishing your accounts and paychecks.  You need to notify the creditor and perhaps the local court (In Grand Rapids, for example) of the Bankruptcy. It is even possible that you can exempt what was previously taken and receive a check back from your creditors after you file a Bankruptcy