if the credit card debt has been written off,

Hi there and welcome! That debt may have been sold to a collection agency. They can not garnish your wages unless they go to court first and gets a judgment against you.

What do you mean by 'written off'? how old is the debt? which state are your from?

You really need to elucidate your post for a definite answer. However, technically the CA can garnish your wage only after receiving a judgement against you. But that needs to be withing the SoL of your state.

Most of the time they'll not take the hassle to pull you to the court of law if the amount isn't big enough. They'll keep calling day in and day out to make you pay to them. If you hear from a collection agency regarding this debt, first send them a letter of validation of debt, VOD, and then proceed accordingly. But DON"T engage yourself to any negotiation before you receive a proper validation form them.

Please, let us know why are you suspecting wage garnishment, we can then help you further.

I have a cc from 2000. debt is 3200. with penalties & fees its 5200. the have filed against me (OH) and threaten wagw garnishment. I have a few other outstanding debts but this is my biggest and I have paid off a few lower debts in the last year. I wouldnt even think of filing BK b/c total debt is less than 8000. I have school loans that I pay 110 a month on plus the gov takes my fed income return every year (the last 5) until its paid so extra income to pay off isnt avail for me like most this time of year.