Sorry to hear about the impending garnishment. If the creditor is going to garnish you, then bankruptcy may be your best alternative since credit counseling programs do not stop garnishments (or at least I have never seen them stop a garnishment and I have been a bankruptcy attorney for 12 years).
Bankruptcy will stop the garnishment. Another option that may work is settlement: if you can offer the creditor who is getting ready to start the garnishment a lump sum payment of some amount as full and final settlement, they may rather have a lump sum today and forgive part of the total balance rather than get their entire balance over a period of several months or even years through a garnishment. In other words, they may rather have 50% today and forgive the rest than wait years to get 100%. The problem with this approach is that if you do not have a large amount of cash on hand to negotiate with, this approach generally won't work.
I suggest you contact a bankruptcy attorney to see about getting the garnishment nipped in the bud before it gets started.
I hope this helps and a positive feedback is always appreciated if this was useful to you.
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