Garnishment is usually the point at which people stop hoping the problem will resolve itself. A creditor with a judgment can reach your paycheck directly.
Filing stops it
The automatic stay takes effect the moment a bankruptcy case is filed and halts most collection activity, including garnishment. This is the reason a filing is sometimes urgent rather than eventual.
Florida has a head-of-household exemption
Florida provides significant protection from wage garnishment for people who qualify as head of household. Many people who qualify never claim it because they do not know it exists. The requirements and the amounts are specific — this is worth asking a Florida attorney about directly.
Figures and eligibility rules change. Confirm anything here with an attorney licensed in Florida.