Cookies, happy Friday, Saturday Sunday, so the wage garnishment and debt collection. There are 2 separate issues. The credit report. Uh they basically would post whether your payments are on time you're not making payments Etc that can lead into the Creditor. Suing you getting a default judgment for you, not showing up to court and then um, they can garnish your wages from there. So that's why that person's having their wages garnished, they either lost a lawsuit from the Creditor or they did not show up to court. So best thing is show up the court answer, those Um, appearance notices and uh, try and fight them.