If you wages are being garnished that means the court has already entered a judgment against you. The court cannot compel the lender to work out any agreement. Your only recourse as far as I know is bankruptcy. You can work out a schedule of payments as part of a Chapter 13 plan.
I am a licensed attorney in Florida alone. This opinion is in no way meant to apply outside that jurisdiction. Moreover, it is in no way intended to create a lawyer client relationship or to be relied upon without further consultation with an attorney.
Burns
Answered on Jun 21st, 2012 at 8:58 AM