Have a bad debt on credit card (due to divorce, job loss & illness)..Interest late fees etc,debt is currently 10K. After dodging the debt for last 3 years a civil suit has been filed against me. I have managed just last Dec. to purchase a small house with money borrowed from my parents. How do I contact credit card company to make some type of payment arrangement that I can live with for a less amount owedand keep them from putting a lien put on my house or having my wages garnished..I can be fired for a garnishment.