Today I received a call from DCS Collections stating that If I didn't set up a repayment plan and pay 188.00 (today) for the hardship repayment plan I wish to set up will be null and void if I don't pay today and they will process with revewing my case for garnishment. I told then I could pay it on the 7th but she said i had to pay today. What I'm wondering is if they do decide to garnish my paycheck will filing for bankruptcy at a later date stop the garnishment and will i be able to go ahead and start the payment plan. Or if I can't pay then today and she decided to send my account through for garnishment today and I pay on the 7th will that stop the garnishment? ANYONE HELP PLEASE!!!