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I made the life changing decision to ignore a summons and now have a default judgment recorded against me. I still do not have enough money to pay it off in one lump sum. I have not ever received any indication of a pending garnishment. However, I do know that it is inevitable. What options do I have now or is it only bankruptcy in my future? Thank you so much.I am married and do not want citibank to garnish my wife's wages or her bank accounts either. I need to take care of this on my own. Should I take out my 401k money to pay this off? I understand that my credit report is permanently damaged, I just do not want any wage garnishments or frozen accounts.