Hello,
Your state was not available on my first screen.
In order to garnish your wages, the creditor must first file suit against you and prevail. Until judgment is entered the creditor cannot garnish your wages.
You can consider filing a bankruptcy if your wages are actually garnished. However, since you have been paying your debts down, you may want to wait and see if a judgment is actually entered.
Here is a website that may assist you:
www.martindale.com
Attorney
20 years of private practice