I am in a situation where creditors (2) are calling on a daily basis. Today they threatened to contact my employer. I have three questions: How, if I never listed my place of employment, could they locate my employer? 2nd, if a judgement (learned from another member's thread) is enacted against me, how much of my wages can be garnished? 3rd, the creditors will only work with me if I give them my checking account # so that they can set up an automatic bill-pay. I only work part time and my hours are steadily declining which means that what I can commit to this month, may not be available next month. I owe roughly 10,000 in credit card debt. I can afford $40.00 per month. Does that constitute a willingness to comply?