Thank you for your question.

No, if your account is in default, the collection agency does not have to accept a monthly payment. If you come to an agreement regarding monthly payments, you should get that in writing so the understanding regarding payments is clear.

Some things to keep in mind about wage garnishment: First, before the collection agency can garnish your wages, it would first have to file a lawsuit in which you could allege any relevant defenses. You can also ask the court to implement an order of installment payments, or come to that agreement in court with the collection agency.

The second thing to consider is that if a judgment enters against you, each state has its own protections regarding collection. In some states, for example, the head of household may claim an Exemption which would stop a wage garnishment.

Finally, most states have laws which prohibit discrimination in employment on the basis of an employee's wages being garnished.

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