<prompt> Human: Information about me:-I am a junior in college 20 years old, approaching 21-I work a part time job that barely pays for rent and food-I can provide other information if neededI dont know where to start with this. I know I will not be able to pay it off, as I only make enough money to pay for my bills right now. I really need some help in knowing what my options are and where I can go from here because I am completely lost. Any help would be appreciated.  <response>: If you had a judgment against you, you might have your wages garnished in order to pay back the amount that the court determines you owe. The following links may contain useful information for you. 