Having a garnishment on your wages is a tough go. And there is little or nothing you can do, short of quitting your job or paying it off in full that can get you relief. Except, bankruptcy! If you have heard of bankruptcy, but have written if off as the worst possible scenario, don’t. If you qualify for a chapter 7 you can have your garnishment stopped, and your debt eliminated, and even get some of it back!
Your employer is required to take out that garnishment by court order, and disobeying it could have disastrous consequences on them. To get a judgment, a creditor must sue, win and obtain a judgment, which is typically then reduced to a writ or garnishment sent to your employer. Most states have a cap at 25% of your take home pay.
Regardless of the stage of the garnishment, a bankruptcy can stop that process dead in its tracks and get that money back in your paycheck, the next pay period.