Consumer credit protection is available for the individual who may be held responsible for a person's injury or death. Even if the plaintiff wins the lawsuit, the individual who has to pay damages cannot also be punished or fired by their employer who must garnish their wages. In addition, a formula is instituted to ensure that only a certain percentage of a person's paycheck can be withheld to satisfy the terms of the settlement. The law can apply to anyone from child support enforcement to a case involving failure to disclose the risks of taking a certain prescription drug.