Creditors often do not send notice of the court hearing, even though they claim that they did. It is much easier for them this way.
In any event, since you did not show up for the hearing, the creditor was able to get a "default judgment", which was then used to get the wage garnishment order. You can have the judgment vacated by going to the clerk at the court that issued the judgment and wage garnishment order and asking to file a "Motion to Vacate Default Judgment". You will be given a date for a hearing, and if the judge believes you were not served the original Summons for the 7/23 hearing, the judgment has to be vacated. While in court, you will also be able to re-negotiate a payment plan with the creditor.
Here is a tip - if the creditor thinks you are planning on filing a Bankruptcy - which can completely eliminate this debt - the creditor will be more likely to work with you.
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