Most debtors who are served with a summons and complaint will receive a judgment against them that will permit garnishment of their wages. Unless the creditor agrees to some type of payment plan, an Arizona bankruptcy lawyer may advise the debtor to file a Chapter 7 bankruptcy or Chapter 13 bankruptcy.

An Arizona bankruptcy lawyer will advise that a debtor may keep all wages received for work the debtor performs after the bankruptcy filing date. However, a debtor may have to pay to the bankruptcy trustee 25% of wages, commissions or accounts receivables that were earned but unpaid as of the bankruptcy filing date.