[teenut]

kgust,
I used to do recovery work for a cc compay, and depending on your state laws, its very unlikely they will garnish your wages. It is quite expensive for the cc companies to go that route. Unless you owe a tremendous amount or based on your credit report they feel that you can pay. They look at all of this before they take action. The court date you have coming up can most likely be for a judgement, which they all have to go to court in order to put one on you. This doesnt mean your wages are being garnished.