I defaulted on some credit cards after me and my husband separated and now have a collection agency threating to place a judgement on me and then take money out of my bank account which only ever has enough in it to pay bill and support my three kid. Can they do this? I have no way to pay them the money at this time and after they refused my $50.00 a month payments I just don't have any way to pay them without having my kids go with out food.