No. But it is truely foolish to ignore the one possibility to reduce the amount of money that will be garnished from your present employer, likely causing you have problems all over again. I recommend to tell the employer about the summons and make whatever arrangements you can to educate yourself regarding these matters. You may find some assistance through Georgia Legal Services, but the key is learning how to handle your money, including budgeting, debt and buying practices. Many churches are now presenting programs like Dave Ramsey's Financial Peace University whicjh would be helpful.
I am an attorney, practicing throughout the state of Georgia, but primarily in the areas around Augusta, Statesboro and Savannah, Georgia. You may review more information about my practice by going to: http://www.avvo.com/attorneys/30809-ga-elmer-young-540135/reviews.html. The information I am providing you should only be considered for your general knowledge and educational purposes. Consider it as a good first step in your knowledge acquisition, but not as legal advice. Indeed, any information I provide is based on the extremely limited facts you have provided and new facts could substantially alter any answer or reply. My opinion should be understood to apply only to the laws of the State of Georgia. You should always consult with a local attorney about your situation if you live outside of the State of Georgia.