It is not easy to make the choice to file for bankruptcy. Even people overwhelmed by debt are reluctant to move forward with this step because they have concerns about what to expect from the process. There are a lot of fears and misconceptions that hold people back from taking a step that could be beneficial for their future.
Your paycheck already stretches too thin. The last thing you need is having even less money to take home. That is what will happen if one or more of your creditors decide to garnish your wages. It can be devastating to receive a notice that a creditor is taking steps to get the court's permission for wage garnishments, and you may think you have no option but to let it happen.