Can Credit Card Companys Garnis Your Pay In Texas If You Can't Pay?

Generally, no.

"In Texas, wages cannot be attached or garnished, except for child support.

Income that is not a wage can be garnished or ordered turned over to a receiver.

Bank accounts, rents and royalties can be garnished.

Exemptions include social security benefits.

WARNING For individuals living in Texas who are paid from an out of state location, there is case law (Baumgardner vs. Sou Pacific 177 S.W. 2d 317) to support taking a judgment from Texas, domesticating the judgment in the foreign state, then filing the wage garnishment there. Many creditors have used this strategy successfully." <source>

I will agree, normally no, They may be able to attach your bank accounts, so you may have to close them and work with cash and money orders to pay bills.

But also remember Texas can always change that law at any time, many places are become more friendly toward the creditors nowadays