what can a creditor do if they have a consent judgement against you? I am working with a debt settlement company and one of my creditors sued me and got a consent judgement was wondering if they can garnish my check?

Debt settlement companies do not normally protect you from lawsuits. If a creditor sues you for a debt you owe and obtains a judgment, consent judgement or otherwise, they may enforce that judgment by garnishing your wages, levy your property, or levying your bank account. You should probably consult a bankruptcy attorney to see if bankruptcy is a better option than trying to settle your debts at this point. A surprise bank levy that freezes all your funds is not a fun surprise.