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In Texas your wages are exempt, however if their is non exempt money in your bank accounts that can be garnished. If you file for a chapter 7 bankruptcy all of your debts would be discharged, and in terms of liens, your attorney can remove the liens, by filing a motion in bankruptcy court to remove any liens,.
If your account is being your wages cannot be taken, as they are exempt, you would advise your bank that the wages are the only thing deposited and file an exemption claim.
To the very limited extent garnishment is permitted in Texas, it is subject to the federal maximum garnishment threshold (applies everywhere), which allows the lesser of the following may be garnished:
"Disposable income" is income left after legally required paycheck deductions, such as withholding for FICA. As a result, most income is "disposable income" subject to garnishment.
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