@Valencia - The bankruptcy route is fine if your friend is eligible. There are particular conditions applicants must meet, including being able to prove they can really pay back what is agreed.
If someone makes an application for a writ of garnishment against her salary she would need to prove extreme financial hardship. Obviously this means her income is low and she owns nothing much property wise.
You can see that these two options are pretty much polar opposites, so it's a case of jumping one way or the other. Whatever happens, I would be steering her towards some kind of financial counselling.