Hi lastbutnotleast
You must know that you can't be fired in case a garnishment happens. The federal laws prohibit any employer from firing people at work if they are going through garnishment. Though there may be a chance that he will form a negative opinion against you and restrain from any promotions or hikes. But you won't lose the job.
Now, if the judgment has not happened yet, you should immediately contact your credit companies and tell them about your past financial problems. They will understand your situation if you assure them regular payments in the coming months. You can fix up a payment plan in writing and stick to it. The
DIY section in this site will guide you on the negotiation process. If you are unable to arrange something that benefits you, talk to a debt counselor. They are professional people and surely work out something with your creditors. If your creditor agrees, he will withdraw the case from the court. So.. get started