Bankruptcy protects your paycheck because it’s more powerful than a creditor’s garnishment court order.
Getting sued by a creditor is a wake-up call to consider filing bankruptcy. If it’s the right thing to do, there are advantages to filing before your deadline to respond to the lawsuit.
Don’t react to getting lawsuit papers by avoiding them. Treat the lawsuit as a great incentive for taking the first step towards a better life.
Wage garnishments are stopped instantaneously . . . except that different state laws and procedures can effect what happens to the current paycheck.