Facing a court summons over $7,000 in credit card debt, a Detroit-area caller was panicked about wage garnishment and aggressive collection tactics. Dave Ramsey’s advice? Don’t let fear push you into a payment plan you can’t afford. He explained that wage garnishment doesn’t happen overnight—there’s usually a 30-day window, and creditors often settle for less than the full amount. Ramsey even called the odds of full collection 'statistically zero.' If you’re in a similar spot, consider negotiating a lump-sum offer you can actually manage. Has anyone here dealt with debt collectors or court judgments? What worked for you? #Business #MakeMoney #Detroit