If you’re behind on child or spousal support, the support enforcement agency can be extremely aggressive. Chapter 7 doesn’t help much. Chapter 13 CAN.
This $36 billion is owed by 2 million older Americans. Garnishment of their Social Security benefits to pay these student loans has skyrocketed.
Once garnished, that portion of your wages or salary is forever gone. With one exception.
Bankruptcy protects your paycheck because it’s more powerful than a creditor’s garnishment court order.