Can my wages be garnished? i owe two banks and no money to pay. i work 20 hours a week and on social security

It depends. When you say you had two cards from banks, do you mean credit cards?

In either case, in Texas, a creditor cannot garnish your current wages. There are a few exceptions such as child support. However, once your wages are distributed from the employer to you, they lose their exempt status. A creditor must have the court's permission to garnish funds from a bank account, and must have a compelling reason for doing so, and must have exhausted all other efforts to satisfy the debt. This usually means that they cannot garnish funds from a bank account until there is a judgment in place.

There are many other consequences to not paying on your cards, including a damaged credit rating, increase in interest rates and fees, and a possible lawsuit filed against you, just to name a few.

I cannot say whether or not you should file for bankruptcy. You will need to speak to an attorney and have all your financial information, including a list of assets and liabilities as well as income statements available. Even then, the answer will depend on your personal goals and future financial plans.