My check is being garnished by a debt collector. They are taking out 25% and now I can't pay my bills. I tried to come to an agreement but they won't change anything. I lost my job a car and house, now I finally got a full time job. I live in Louisiana. What can I do besides bankruptcy.

You can pay your debts.

The debt collector has no reason to work with you now. Its far too late for that.

Unless you can pay the full amount due plus iinterest etc, you are pretty much stuck.
Did you not go to your court hearing?