My question involves judgment recovery in the State of: Help? I'm about to have my wages garnished from a Capitol One Credit Card judgment I didn't even know I had. I left a short marriage with an abusive man in October of 2008 and moved to my parents home in Colorado. My husband had lost his job a month and a half after we married. The nightmare of his fraudulent ways started unfolding rapidly. I gave up so much to try to survive with him. He was unemployed for over a year and I used a credit card for us to stay a float. I tried communicating with them and even sent them a letter before I had left. I didn't give a forwarding address for several reasons. My divorce was final in July of 2010 and now Capitol One has just sent me the garnishment papers. The debt was about 3,000.00 and at one point the offered a 900 settlement. I couldn't pay it at the time. They credited payments late due to 'time zone' and when it was counted as being paid. They raised my interest etc. I talked with them ahead of time when I realized the card payments were getting our of control. Now they say the debt is almost 8,200.00. I have a daughter in college and am her only support system. What should I do? I tried communicating with them and had no idea they were taking me to court. This is just so wrong. I'm willing to pay what I owe but not all the interest and penalties. Now that I have a judgment is it too late to fight? I was never notified and I know they have record of my trying to get help from them and work things out. They just said no, sorry...and up went the interest and penalties. Nothing I could do at the time. My safety and life was at stake. I was the 4th woman in Wisconsin this guy had done this too. Not only is the credit card an issue. The IRS is taking my taxes for his tax debt during the time we were married? They even took my 600 rebate check and applied it to his tax debt (that I didn't know about) from 2003. I didn't even marry him until 2006? Please help me....I live paycheck to paycheck and am really scared. I have been living in my own place for over a year now and have my own monthly bills. My biggest fear is I won't be able to help my daughter so she can stay in school and get her degree. I wasn't ever given support to do so and this is my goal for her. I can't file bankruptcy because I had gotten loans for almost $25,000.00 for a supposed friend who stuck me with the debt and I had to file. My credit was good before all this 'helping' went on. I'm not a bad person. Want to clear this up but am sickened by the interest and penalties and now the judgment that I didn't know I had. Any direction you can provide would be so greatly appreciated.

