State law provides a maximum that can be garnished and what can be garnished. Some funds like social security are off limits. Everything else can be taken. It does not matter if the garnishment produces a hardship. Consult with a local bankruptcy attorney for help.
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You may be able to "traverse" the garnishment. I would recommend, based upon your income for a family of four, that you contact Georgia Legal Services for assistance.
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When I handle these types of matters, I proceed in the following manner: First, make sure service of process is sufficient on the defendant/debtor. Second, make sure that the underlying judgment is proper. Third, make sure that the garnishment has been filed and served properly. Finally, make sure that the amount seeking to be garnished is within the limits of Georgia garnishment law. If all of that checks out, and if the debtor can afford to do it, I would negotiate with the debt collector and seek a lump sum payoff of the debt at some percentage less than the full judgment and interest amount.