I was out of work for 14 months without pay due to depression. I am now back at work and two creditors have received an affidavit judgment for two personal loans. One for $3000 and the other for $6000. Is there anything that I can do to work out payment arrangements with my creditors or is it pointless at this point now that they have judgment. Is it too late to work out a settlement or can they can proceed with garnishment. I make $80,000 a year and know that they will fight me based on future income instead of what I did not earn for 14 months. I really don't want to file bankruptcy 7, but may have no choice if they are contemplating garnishing my wages. How soon after they receive judgment can they garnish my wages. Thanks.