Find the best financial services for you at: SMARTFINANCESOLUTIONS.NET - Bankruptcy/Garnishment? - Were going to be filing bankruptcy some time in the next 2 months. My husband paycheck was too much in may so we need to wait a little before we file. One one my credit cards from GE Money sent my account to a Collection agency called Integrity Financial. I told them I couldn't talk at the moment and we'll be filing Bankruptcy hoping to get them off my back. So I guess I am freakin out because I don't want them to take me to court to Garnish my wages. So I guess my question is since I told them we will be filing if they would still spend the money on trying to garnish my wages? How long the process takes to be able to do that.? I figured by the time they get there we will be already filing. Right? I am just freakin out. We lost our house and we have nothing for them :( -