<prompt> Human: Im a recovering drug addict paying off my old debts and have a credit card in collections with a balance of 2,500. I just called the collection company and was told they need 500 today or they will get a court judgement and garnish my bank account and my paycheck immediately!I want to pay them as quickly as possible but can they threaten me with a court judgement?I live in Texas.  <response>: They claim to be able to file a law suit, win a favorable judgment, and attach your bank account all in one day? Wow they must have special access to a crooked Judge or something. 