Yes! Once you file for bankruptcy, an automatic stay prevents creditors from contacting you or attempting to collect on your debt.
Yes! Your wage garnishment will be stopped the second we file your bankruptcy with the courts. Once you file for bankruptcy, an automatic stay prevents creditors from continuing with wage garnishments and law suits.
No, you and your spouse do not have to file together but you must list your spouses debts and assets in your bankruptcy petition. Listing your spouses debts and assets ensures that creditors will not be able to pursue any community property/assets shared between you and your spouse.