About a month ago, my husband's mother received a call from a Victor Valley with Central Credit Services. He told her she better have her son call back immediately or they would garnish his wages. I called them back and Victor explained they were attempting to collect a debt for Circuit City. He told me the original amount of the debt and offered a settlement, which was about half the original amount (1,700). He told me I had 24 hours to make a decision and arrange payment or they would garnish my husband's wages.