What are my options if I defaulted on a credit card and a judgment was passed against me?

Question Details: My paychecks are garnished 25%. About 2 months ago, without my knowledge, they wiped my checking and savings clean, leaving me minus $900 in the account after fees and other automatic payments. Then about 2 weeks ago, it happened again, this time leaving me -$500 in the accounts. They have now taken 34% of my pre-tax wadges this year. Is this legal? Is my only option Chapter 13?

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