It depends. The first question to ask is:
1) What is the wage garnishment for?
Go read section 523(a) for the full list, Interpreting-523(a), but I will summarize here.
(A) Special types of tax claims
(B) Debts not listed in a bankruptcy
(C) Spousal support or child support
(D) Malicious and willful injury to a piece of property
(E) Fines and penalties to government units
(F) Student Loans
(G) DUI Debts for personal injury
(H) HOA Fees
(I) Past three years of IRS income taxes (be careful though, if you didn’t file timely tax returns in the past three years, this changes)
You can discharge more debts in a chapter 13 case than you can in a chapter 7 case.
The second question to ask is:
2) What type of bankruptcy chapter am I going to file?
In a Chapter 13 you can discharge:
(A) malicious and willful injury to a piece of property;
(B) debts that you paid to accrue non-dischargeable obligations on taxes;
(C) property settlement debts that you received in a separation or divorce proceeding.