Legal Question in Credit and Debt Law in Maryland

"Financial hardship" is not a defense to a garnishment. Bankruptcy may be a good option for her to stop both garnishments.

Yes, it is legal for a judgment creditor to garnish. While bankruptcy is one option if the overall situation warrants, an easier and cheaper approach may be to simply claim the exemptions allowed by Maryland law. Maryland law allows an individual debtor to exempt up to $6,000 worth of property/cash from garnishment, although the exemption is not automatic and the debtor must file with the court to ask for the exemption within a timely fashion.

While not legal advice, I hope that this general legal information helps!