if a garnishment has started credit counseling will not help you! i have been a paralegal at the largest bankruptcy firm in the southeast for 3 years i know. if you dont think 4k is worth filing them just let them garnish . since they got the order they arent gonna stop until its done unless you file! i say run a credit report to make sure you dont have any other debt then it may be worth it. either 25 percent takin out of your check till its done or you pay attorney fees that are lower! if your looking for pro bono representation you could call atlanta volunteer lawyer foundation but you have to make minimal income!