I had a medical bill go to collections and now that agency is trying to garnish my wages. I work part time and am a full time student and obviously am not in a position to pay this bill while still continuing to pay my bills, eat, etc. I don't know if it matter but the bill was a result of an MRI recommended after an Urgent Care which then led to having back surgery a year later. I just need to know how/if I can avoid having my wages garnished. Where are the ethics in this situation???