We are fortunate that Texas is one of the few states in the nation that generally doesn’t permit the garnishment of wages in consumer debt collection. But there still ARE major exceptions in which wage garnishment CAN happen

The filing of your bankruptcy case immediately stops your vehicle from being repossessed. That’s because a bankruptcy filing triggers one of the most powerful tools of bankruptcy – the automatic stay. That’s the law that goes into effect the instant your bankruptcy case is filed at court, and stays – which means stops – all collection activity against you and all of your property. So your Chapter 7 or Chapter 13 filing will force a creditor to immediately stop a repossession, even if that creditor has already sent out the repo tow truck.