My wages are being garnished over a 6yr old credit card debt

You should speak with a local consumer rights attorney.  There are various statutes that may protect you.  Additionally, there are various state specific exemptions that may be available and a local consumer rights attorney will be able to determine if any exemptions apply to your situation. This is not intended to be legal advice, and is general in its nature. No attorney-client relationship exists or is formed by this information. Furthermore, this does not represent the views or opinions of LexisNexis or its affiliated companies.