Is this true???

It doesn't matter if you have minors or not..For a consumer debt you can definitely be garnished. My advice with you is to either try as hard as you can to get them to make arrangements, or put them into a consolidation plan. What is this debt for? Have you been to court on this? If they do make good on their threat you will either be civilly sued or you will receive a notice of judgement by US mail. You DO NOT have to be formally sued in court to be garnished, the creditor can pay a few hundred bucks to obtain a judgement. Once your payroll dept receives the writ, they will give you a copy..You have at least one pay period to attempt to appeal. If you do end up being served with a garnishment, you can go to your county court and file a hardship..Bring with you w2s and check stubs, you can possibly get this reduced.

As for the car accident..That must have been the rules of that particular person..That would've been a SOM debt, and would automatically be in an attorney's hands.

Sorry, if this is crazy...Please feel free to register with the site and pm me if you have any questions or need any help with this.

consumer debt ????

I am unsure of what the debt type would be called. WE had a judgement to buy our old home a new well (2k) After the inspections and what not we sold the home and the well failed. We were in court not too long agoand the judge ruled for us to pay for it.

Is their a special form for hardship?

I think that would be a consumer debt.

Go to your county court and tell them that you can't afford to pay the 25% of your wages. You will be able to file to see a magistrate.