Yes. A garnishment judgment will stay on your credit report for up to 7 years. That is why it may make more sense to file for bankruptcy to stop the wage garnishment and get your debts discharged.nnWhile some people may be reluctant to file for bankruptcy because of how it affects your credit, it is often the best option. Because wage garnishment, late payments, and unpaid bills also affect your credit score, filing for bankruptcy may actually be preferable for many people. Contact the Law Office of Richard D. Granvold to learn more about how bankruptcy can stop wage garnishment and help you get a fresh start.