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Hello. My wife has an unsecured credit card balance of over $12,000, and has not been able to make the payments. The credit card is in her name only. The credit card co. asked us to make a $6,000 payment to them or they would send our account over to a 3rd party collection agency . We told them we were not able to make that kind of payment. She has since received a summons in the mail from a law office informing us that that they were seeking to garnish her wages, but we still have not gone to court on the matter. We have spoken with the collection agency and offered to pay $300 per month. They want $5000 immediatly...we dont have that at this time. I am a full time employee( about $70,000 per year) she is a part time employee(about $14,000 per year). I have 2 questions....1> can I somehow STOP the wage garnishment at this point....2> Since California is a "community property" type state, are my wages subject to garnishment as well. Know that I want to make payments....just not the large ones they would immediatly like!! HEY... Are there any other options ? Thank you so much.