Find the best financial services for you at: SMARTFINANCESOLUTIONS.NET - How long does it take after being served before wages are garnished and do they notify you before they do? - About three months ago my husband was served by a creditor and given a month to send in a written response. We are in a bit of debt and after being served we attained a bankruptcy lawyer who said not to send in a response only problem is he still hasn't filed our bankruptcy with the court yet.