You might be able to get out of the garnishment agreement - that sounds like a POS to me. Contact a debt management firm to discuss an arrangement that will lower your monthly payments. Cash flow is the key - if you can pay your bills every month, everyone will leave you alone. The downside is you have to extend the term of your payments. But a debt management (not debt settlement) firm will help lower your monthly payments, get you on a schedule, and get you out of debt in 60 months or so.