If you are being garnished, a bankruptcy can stop it and can sometimes even get back the money.
If your home is threatened with foreclosure, a chapter 13 bankruptcy can prevent a foreclosure. Chapter 13 may be the only way to save your home.
If you are behind on your car payments or if a creditor is threatening repossession, a bankruptcy can stop that.
If you owe taxes, and the IRS is threatening to garnish or seize your assets, a bankruptcy may be the only effective way of dealing with the IRS.
If your debts are overwhelming, and you can see no way out, bankruptcy can give you a fresh start. If your income has declined so that you can't meet your obligations, bankruptcy can reduce your obligations, or possibly eliminate some of them, so you can support yourself in a reasonable and dignified manner.