Chapter 7 bankruptcy is a popular choice among individual debtors because it makes it possible for them to have a large number of debts discharged. However, the process will also require that a significant amount of their assets is liquidated in order to pay back the debt.
Being subject to wage garnishment can be extremely demotivating and distressing. It can feel as though you do not have autonomy in your life because you are working only to have wages taken from you in order to pay off debt. Wage garnishment measures are generally only put in place when a person is severely late on their debt repayment obligations and can afford to pay off their debt.