A credit card company must file a lawsuit against you and get a judgment lien before they are permitted to garnish your wages. In Utah, a creditor is not permitted to garnish more than 30 times the hourly Federal minimum wage or more than $180 a week. If you wish to avoid being sued, negotiate an alternative payment plan with the creditor. If nothing works out between your creditor and you, enroll in a Utah debt settlement program and pay off your bills.