GarnishGuard

GarnishGuard is a mobile + web app that helps people at high risk of wage garnishment or bank levy take the next best action fast. Users connect accounts (optional), add debts, and the app flags “legal escalation” signals like missed payment streaks, collection letters, court notice deadlines, and unusually aggressive collector behavior. It then generates a simple, realistic plan: which creditors to call first, what hardship options to ask for, what documentation to gather, and when to consider nonprofit credit counseling or bankruptcy consults. It includes a call scripting tool, a letter generator for debt validation and hardship requests, and a deadline tracker so users don’t miss court dates. This is not a magic wand: it won’t erase debt, and it can’t guarantee outcomes. It’s a triage tool designed to reduce panic, avoid preventable default escalations, and help users act before the legal machine moves.