Question about judgements
I owe a debt of approximately $1800. I called the creditor to make a payment arrangement. They offered me 3 solutions, but I can't afford those. I offered them a monthly payment that I feel I can afford. The person I spoke with said that I can afford more than that. I explained, very courteously, that at this time I can only afford $X and that this may change in the future, but at this time it's all I can offer. She said this is unacceptable and they will recommend that my account be turned over to the legal department and that a judgement be obtained against me. Can I have a judgement obtained against me despite my good faith offer to pay as much as I can afford at this time and more when I am able? She said to me, ''you just don't want to pay your debts.'' I am trying to pay my debts. I don't understand how they can obtain a judgement and/or garnish my wages when I am making an effort to repay this debt. Please help me. Do I have any recourse at all on this? I don't want my wages garnished!