Do you have a small business in your own name that would be successful if it only got a break from its debts? A Chapter 13 case would likely greatly reduce both your business and personal monthly debt service while you continued to run your business.
Powerful Chapter 13 gives you tools to solve your mortgage problems from a number of different angles. Plus it gives you other tools to deal with tax, support, and judgment liens on your home.
When does filing a Chapter 7 “straight bankruptcy” case help you enough so that you don’t need a 3-to-5-year Chapter 13 case?
Wage garnishments are stopped instantaneously . . . except that different state laws and procedures can effect what happens to the current paycheck.