There are various options available to someone who is facing potential wage garnishment. One way to stop a creditor from taking your money is to file for bankruptcy, which will put an automatic stay on your account and prevent all future garnishments. Another benefit of declaring bankruptcy is that it will put an end to any collection techniques currently being used by an agency. It is possible for a creditor to obtain a judgement without your knowing, so for this reason, it is always best to talk to a qualified bankruptcy attorney sooner as opposed to later. This will do the greatest good in protecting your assets.