I have a credit card debt that is going on three years. It has now been turned over to a collection agency wanting me to pay a huge amount to settle that I cannot afford, I offered monthly payments that I could afford, and now they say they are going to garnish my wages. Can that you done without going to court?
No. Before a collection company could garnish your wages they would have to sue you, get a judgment and then get the court permission to garnish wages. Sounds like they are just trying to scare you into coughing up a bigger payment. Be sure not to promise a payment plan you can’t make. Making a promise to pay and then defaulting on it only makes things worse.