The court held that creditor's refusal to return wages garnished post-petition pursuant to a pre-petition writ of garnishment constituted a knowing and willful violation of the automatic stay under 11 U.S.C. § 362(h) and that debtors are entitled to actual damages in the amount of wages garnished post-petition plus wages lost due to this proceeding, compensatory damages, attorney's fees, and punitive damages because creditor acted in disregard for the law and for debtors' rights under 11 U.S.C. § 362.