Creditors will probably be able to garnish your Arizona wages at some point in time. What we often see is that Arizona clients are scared that creditors will be able to garnish their wages immediately. This is often not possible, because the creditor must first sue the client in order to obtain a legal judgment before wages can be garnished. This takes time. If you are sued, someone will come to your door to hand you a copy of the debt collection lawsuit. I often advise clients that they should not resist this process. It is better to obtain a copy and hand it to us, so that we can determine whether there is some way to fight it while we get the bankruptcy case prepared for filing. The bankruptcy case will stop the lawsuit in its tracks, pending the outcome of the bankruptcy and some other factors.