A creditor can go to court and ask the court to take a portion of your earnings out of your paycheck to repay the creditor its debt. If you owe the creditor and did not pay the debt and the creditor obtained a judgment there is almost nothing you can do to stop the creditor from taking money out of your paycheck. However, if you file a bankruptcy, chapter 13 or chapter 7, you can stop the garnishment. Bankruptcy has the added benefit of an automatic stay. The automatic stay protects your pay check, your home or your car and other assets. With bankruptcy protection you will not lose money out of every pay check to a creditor. Your employee will be required to stop the wage garnishment once the receive notice of your bankruptcy filing.
The following link we outline Illinois statute relating to wage garnishment http://www.ilga.gov/legislation/ilcs/fulltext.asp?DocName=073500050K12-705