<prompt> Human: Im new to Reddit, and thought this would be the the best place to ask my question.I got a letter from my bank, stating that capital one is garnishing my wages and placing a hold on my bank account. Last year I started to rebuild my credit by myself, and started paying off all the debts I had on there. There was no mention of a debt from capital one, had a card 10 years ago. I havent heard anything from them until now. Im seriously freaking out, because this is a 3,000 debt. I get paid on Friday and Ive got bills I have to pay. My checks are direct deposit and I cannot afford to lose my entire paycheck. What can I do? What are my options? I plan on calling the agency my debt is with, but I would like to know what I should do and what questions I should ask.  <response>: If you got a letter from your bank they arent garnishing your wages, theyre garnishing your bank account. There probably isnt a 25 limit.First thing tomorrow morning see if your employer can shut off your direct deposit.There may also be some ways to avoid this garnishment depending on your states laws but you should also focus on seeing if anything can be done to vacate the judgement. You need to search court records to find a lawsuit against you and based on whats there figure out how to proceed. 