Credit card companies may be able to garnish your wages. Bill collectors may try to make you think they can garnish your wages immediately but there are steps and procedures they have to follow. However they will report payments being behind on your credit report. In order for credit card companies to be able to garnish your wages they have to sue you. Credit card companies don't usually go
. through the hassle. The money it takes for a legal team and court fees may in some cases be more than the person actually owes them. Of course this will depend on how much is owed to the credit card companies if they decide to go through steps to garnish wages. Some may find it better to try to work out payment arrangements and even decrease late fees and interest. Be sure to look at all the terms when applying for credit cards to be sure their fees and interest raise are worth it. Some credit card companies will take it all the way and sue to garnish your wages to get their money. It's a good idea to try to work things out with them so it won't go this far.
