Question: My wages are being garnished for a credit card I got when I was 16 years old. I’m 22 now and I know that a person cannot legally obtain a credit card until they turn 18. I am wondering if there is any way that I can fight this garnishment since the company issued a credit card to a minor?

The Judge’s Answer:
If you believe that the credit card company should not have obtained a judgment against you, you must go before the court that entered the judgment and request that the judgment be vacated because you were not legally capable of entering into a contract. Once the judgment is vacated, the court will stop the garnishment. If you approved the contract after turning 18, the credit card company may have a valid claim against you.