I had a credit card with Bank of America. After my divorce, I did my best to keep up with payments on the account. I asked several times for any programs as I was struggling as a single parent and working less than full time. I was told there was no help. I made my last payment XX/XX/2013. I received judgment paperwork a few months ago and called the firm handling the collection. They proposed a payment that was completely unrealistic. I contacted them a second time and they told me to pay the whole thing and there were no other options. I am now being served paperwork at work for a garnishment. I have tried many times to come up with a compromise and I feel I am not receiving the options that should be available to me. I am working only XXXX hours at my job and I feel sending this paperwork to my employer only puts me in jeopardy of losing my job. I am hoping for a better resolution. 
