The first step is to call to schedule a consultation. You will be asked to bring your most recent paystub, all bills that you wish to include in the payment plan, and your payroll department's address.
No need to file bankruptcy in order to stop a garnishment or lawsuit. Filing a debt amortization plan that pays a creditor in full over three months may be all you need to avoid filing a bankruptcy and prevent a garnishment or lawsuit. This option allows you to add only the creditors you are having trouble with unlike in bankruptcy where you must list all creditors. There is no requirement to disclose income, expenses or assets you simply need to agree to pay the creditor in full over a 3 year period.