Can someone garnish your wages themselves by saying its for a personal loan?

If the "someone" is your employer and you are an employee (not a contractor) then your employer cannot hold any amounts out of your wages except taxes and court-ordered child support without your written consent.  Texas Labor Code, Chapter 61 is called the Texas Payday Act and it provides this protection.  It also provides that an employee whose wages are withheld without consent may file a complaint with the Texas Workforce Commission, Labor Law Division, which will investigate and enforce your claim without charge. If the "someone" is not an employer or you are not his employee, then reply to this post and let me know more about the relationship of the parties.