I agree with solitude.

Working something out yourself is best but it may be too late. Your lender will be pretty certain of at least garnishment returns. But that route is not necessarily great for either party so there is definitely room to negotiate. Your ability to negotiate will be greatly enhanced if you have a knowledgeable and experienced attorney representing you.

Then if you are left with no alternative at all the attorney can help you move into bankruptcy. But it is not a good experience, creates new problems of its own for you, and does not solve all of your existing problems.