If you reside in any other state, however, filing for Chapter 7 bankruptcy is one way to stop your employer from garnishing wages. When you are approved for bankruptcy, the judge will place an automatic stay on your creditors. This means that not only will the wage garnishments stop, but your creditors will not be allowed to contact you or attempt to collect debts in any way.
While most people prefer to file under Chapter 7 since it allows them to discharge a portion of their debts, not all debts are allowed to be discharged. Certain types of debts, including criminal restitution actions, support payments and loans from a pension fund are generally not dismissed.