I recently received a request and writ for garnishment (income tax refund/credit) it is for a credit card through the dentist office. They debt is in my name, and I am currently not working, is there a way they can take my spouses refund if we file jointly? Also my daughter receives SSI and I am the adult on her accounts, do I have to file with her and if so will this credit card company garnish our returns?

We live in Michigan and I know all the states are different. I thought that only government related debt was garnishable of the refunds. Please help, we sort of rely on this income, and can't afford it being withheld. Thanks:confused: