Sorry to hear that. 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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