In Arizona, the most they can take from your wages is 25% each pay check. You should request a hearing and ask the judge to lower it. Most judges will lower it to 15% if you file an answer and let the judge know it will create a hardship.
In Arizona they must sue you prior to being able to garnish your wages. For a judgment to be proper, they must serve you with notice of the law suit and give you an opportunity to respond. However, if they can show the court that they have made multiple attempts to serve you and have been unable to, the judge may permit them to serve you by publication of the law suit in a newspaper (classified section), which you will surely never see.
If you do end up with a garnishment, in Arizona...
Everyone who files for bankruptcy is required to sign those documents attesting that they are truthful. They do so under penalty of perjury. The banakruptcy court and the US Trustee's office takes this very seriously. Sometimes, those filing for bankruptcy will accidentally omit an asset or a debt, and in those cases amendments can be made to made the filing accurate. However, an intention ommission will result in a discharge being denied or worse criminal prosecution.
In your situation you have approximately $52,000 in equity in your home. Thus, for your purposes above, your value would be $52,000, which is fully protected because the homestead exemption in Arizona is up to $150,000 in equity.