My husband defaulted on a credit card for a retailer. It has gotten to the point that judgement was filed against him. What can we do? MINNESOTA

They are currently searching for our bank accounts to be garnished. We have received 2 garnishment summons. They have tried two seperate banks, that we dont have accounts at. I know its only a matter of time before they find ours. So, it also has in the paperwork a non-earnings garnishment disclosure form. We have not filled this out. very confusing. I have heard stories of people going to jail regarding summons issues. Is this a form we have to worry about him going to jail over? We really dont understand all the questions on it. Is it possible to try to set up a payment plan at this point to avoid further legal action/garnishments? We are at a loss. We really cant afford to pay them right now, but Im terrified that somehow my husband will end up with a warrant and in jail. Then we will have no income at all. Help!