I had a store credit card with Target in 2005, which they converted to Target Visa around 2007. I was paying my bill on time, but in 2009 I lost my job and then had to file disability. By July 2010, when I got off disability, I found out my debt was transferred to CIR Law Services. My total was now over $4000, most of it due to fees. When I tried to contact CIR, they could not work out a reasonable payment plan, asking for $500 and $1000 payments I could not afford. By now, the debt is over $5000. Yesterday, I checked my bank balance and found out that my accounts have been levied. The money I use to pay my rent, my child support payments and money for bills are gone.Is there any recourse against it, and if not, can they do it more than once? What should I expect? Thank you in advance.One of the accounts levied is a joint one with my husband. When I tried to contact CIR again and Target National Bank, they kept sending me to each other; also, they said nothing could be changed/stopped because the sheriff has been involved - unless I pay the full amount of debt. I can't do that, obviously. Thank you again.