Not making payments on time and failing to pay debts off can mean more headaches for American debtors. Millions of American debtors get their pay garnished, due to lack of payments on debts. However, garnishment can be avoided by taking action before it is too late.
Negotiate a payment plan with your creditor or the debt collecting firm. Tell them your financial situation and state a realistic amount you are able to pay each month. This will work in some situations, but creditors might decide otherwise, and still want to take part of your monthly wages; they usually have to get this approved in court, so you will have to right to contest it.