A wage garnishment is like a blow to your stomach. You get your pay check and $100 or more has been deducted by a creditor. Now, what give? Suddenly you can't pay your rent or a mortgage or a car payment? What do you do?
Many Homeowners file a Chapter 7 Bankruptcy who are current on their mortgage and want to keep their home. The question is "Do I reaffirm my mortgage?" The answer, almost always, is a big fat NO.