If the creditor has a judgment against you, they can garnish your wages. Before that happens I suggest you go to the courthouse and get copies of all the documents in the case file. Then take these papers to a local attorney. Good luck.
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I agree with Attorney Gruber.
You definitely need to speak with a competent, local collection defense attorney to learn your rights and responsibilities concerning this debt. There might be defenses and there might be a basis to set aside the judgment, but that is not something that can be worked out here.
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Definitely consult with a debt defense attorney. 1) You were a minor when you made the contract which will typically make the contract unenforceable. 2) If you haven't paid on the card in 13 years, it is outside the statute of limitations. 3) It would be highly irregular for a creditor to be able to garnish you for unsecured debt here in TX unless the debt came from out of state. You should be able to get rid of the garnishment. Hope this helps and best of luck!
The information provided in this post is not "legal advice." Rather it is general information on common legal issues. If you have questions concerning your specific situation, it is always best to consult an attorney in your area.