What is your advice for people that are afraid of creditors garnishing their wages.

The only time a creditor can garnish your wages or take your car or try to garnish your bank account is if they have a judgment against you. Once they have a judgment against you, they have the right to do all kinds of bad things to you including sometimes intercepting your tax refunds, garnishing your wages, bank accounts, seizing your cars, etc.  You need to see me immediately if that happens to you because a bankruptcy filing will automatically stop all these kinds of bad things that a creditor can do to you. Let’s say for example you had an accident and there is a judgment against you because you didn’t have insurance to cover for the damage, if you cannot pay that judgment or make arrangements to pay their judgment, the DMV will suspend your driver’s license. We can file a bankruptcy, get that debt discharged and get back your driver’s license and you’ll not have to pay that debt at all. Many people don’t know that and they drive around with suspended license. But remember, if you get caught with a suspended license, you can actually go to jail. So don’t do that. If your drivers license is suspended because of a judgment due to a car accident, we can get your license back and get rid of the debt at the same time.