In most states in this country, one's retirement accounts (401 k or IRAs) or pensions are exempt from levy regarding a judgment implemented by a judgment crediotr. However, if you borrow money from your 401k and the borrowed money is then placed in your checking or savings account, that money would be subject to a levy by a judgment creditor and would not be exempt from the levy because it is no longer part of your 401 k retirement package.One way to resolve to wage garnishment issue is to reach some written agreement with your judgment crediotr for a monthly installment in an amount you can afford to pay down the judgment. Good luck.