is this debt in both your names?
the MAXIMUM they can garnish is 25% of your gross pay. if you explain your circumstances most judges will go lower.
if this is a student loan, they can only take 10% of your NET pay.
i dont mean to sound rude or snarky, but if you are only making $1600 a month, and you cannot pay this debt at all, not even to settle, how were you planning to buy a house?
wife to my awesome DH, homeschooling, unassisted birthing, food growing, life loving mama to 5 crazy monkeys. :