Much like an unanticipated garnishment hitting your paycheck, discovering that a judgment creditor has successfully gone after your checking account can be devastating.  Depending on whether you have cash on hand or bank with other institutions, you might be unable to pay bills, shop for groceries, or fill up your gas tank.  If a bankruptcy makes sense for your circumstances, it's best to file ASAP after you become aware of the bank garnishment to maximize your chances of recovering those funds.  Fill out the contact form so I can give you a call to discuss your options.