Dear AAFC: My client has an old medical bill that the collection agency turned over to an attorney. She received a letter titled Summons and she called the court and was told she had 20 days to respond to it. She sent a payment plan letter and check for the first payment but the attorney returned the uncashed check with a letter highlighting the entire debt balance as due. Will her wages get garnished now? Also, is her husband immune from garnishment since he is already being garnished for a different debt?