I live in Texas. Can 247 greenstreet garnish my wage
They are located in Malta. They can't garnish your wage in Texas since they are illegal in your state. You just have to pay the principal amount. Nothing else. There is no need to pay interest rate or penalties or fines. Okay. Focus on your other bills.
About the NSG charges, be polite and try to explain your financial situation to the bank. Politely request to waive off the NSF charges. Remind that how long you've been a loyal customer, how much you give value to that bank, etc. If you're not successful in the first attempt, follow it up after a few days. The bank may waive it off depending on the relation you have and your convincing power. All the best!