Can Wages Be Garnished if in a Settlement Program??

I am in a settlement program right now, and it's been going great, four accounts settled in just the first year! However, I have an account which has been sold to a bottom-feeder collector that has served me a summons and unless we can settle soon, I may have to go to court. My settlement company has been trying to negotiate with them, but the collectors want 80% in a lump sum. I cannot do this, I have no resources to do so. My question is this: Can wages be garnished, if I have $500 a month going into a settlement program that this account can be settled with? My settlement company is holding off on negotiating other accounts until this one is taken care of, so the money will be there. It's not like this creditor won't get paid, it would just be in four months and not just one lump sum. Garnished wages would take forever and ever to pay it off - wouldn't ANY judge feel the creditor is being foolish to ask for garnished wages when there would be $500 a month available to them through the settlement program? This just seems . . well, . . STUPID on the part of the collector, to go through all this, unless it was just for spite. It's only about a $2000 account. Anyone have experience with going to court on a case like this, when you are already in a settlement program and have funds available to pay the account off in a few months?