<prompt> Human: So, lets get this out of the way, Im an irresponsible idiot and I know it. That being said, I had a credit card at one time years ago that I was not responsible with. I let a payment lapse, late charges got tacked on, and I couldnt afford it, so I just let it go and forgot about it. It was a pretty low balance card 750.Cut to several years later and the balance has ballooned 300 so I now owe 2200 and its being garnished from my paychecks 25. At the rate its being garnished Ive got about 10 months of being even more poor than I always was I currently live paycheck to paycheck, surprising since Im such a financial genius, right?. What are my options here? Or did I just let this go too long and am screwed for close to the next year?If this is not the right subreddit to ask this in I apologize.  <response>: If your wages are already being garnished, there was likely a court order against you. Reversing a garnishment order is expensive and difficult. It would almost certainly cost you more than 2200, so I wouldnt even recommend trying.Cut expenses or increase income. Those are really your best options to help you get by the next 10 months. I think getting a second job would be a great idea. 