The path to filing bankruptcy often includes debtors who are being sued and having their wages garnished. Many debtors get served with a lawsuit to which they don’t respond. You shouldn’t do this by the way.
If you don’t respond to a lawsuit within 30 days of personal service, a default judgment may be obtained. Once a creditor has a default judgment, the creditor will give the default judgment to the Sheriff and the Sheriff serves you and employer papers to which you have ten days to respond otherwise your wages will be garnished. Many debtors will wait until their wages are actually garnished after ten days prior to consulting a bankruptcy attorney. This is very bad idea.
Upon receiving a wage garnishment order, the best approach is to immediately consult with a bankruptcy attorney. If you file bankruptcy within the ten days, you can stay the garnishing of your wages.