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Hello! My name is Debra (formerly known as Legal Ease). Thank you for your question. I'm reviewing it now, and will post back again shortly.
I am sorry to hear that you are in a difficult situation.
Did they sue you first?
When did you go into default with the credit card company?What I need to know is whether it was more than 6 years ago.
Then no you don't have to be afraid. The limitation period for suing is now two years but back then it was 6 years.
If it is past 6 years they cannot sue you.
And they most assuredly cannot garnish your wages unless they sue you first.
I suggest ignoring them from now on.
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