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Judgment creditors have a right to garnish up to 25% of your net wages. Your bank accounts can also be levied by judgment creditors. Both Chapter 7 and Chapter 13 will put a stop to these collection methods.
Junk debt buyers are subject to federal regulations. However, many of these types of creditors regularly cross the line in their zeal to collect money. Both Chapter 7 and Chapter 13 put an end to this madness.
In AZ you are entitled to one 90 day notice. Chapter 13 is generally the best option to save a home that is going into foreclosure, but Chapter 7 will also provide some temporary relief.
If you have fallen behind on your vehicle payments, then lenders have a right to repo the car. Chapter 13 is generally the best means of saving a car provided the case is filed within 10 days of repossession.