Debt consolidation and judement

If anyone has a debt that's facing judement by the court, sign up for the counseling BEFORE it goes to court!! Don't let what happened to me, happen to you. Credit card company got a judgement against me and I have to pay $300/month or they'll garnish my wages for more (legally). I received a call from the consultant today and they told me they could have helped if I had called them prior to court, they can't help me now. I hope this info. will help someone else.