Every state has different wage garnishment. Here is Georgia’s

9-27 “18-4-60.

9-28 (a) In all cases where a money judgment shall have been
9-29 obtained in a court of this state or in a federal court
9-30 sitting in this state, the plaintiff shall be entitled to
9-31 the process of garnishment.

9-32 (b) In all cases where a fine or other monetary penalty
9-33 has been imposed in a court of this state or a political
9-34 subdivision of this state, the fine or other monetary
9-35 penalty may be enforced through the process of garnishment
9-36 in the same manner as a money judgment in a civil case.
9-37 Such garnishment proceedings may be brought in the name of
9-38 the state or in the name of the political subdivision to
9-39 which the fine or other penalty is owed by any official
9-40 having the duty or power to collect such fine or other
9-41 monetary penalty. The provisions of this subsection or the
9-42 institution of proceedings under this subsection shall not

Here is where I found this: http://www.legis.ga.gov/legis/1999_00/leg/fulltext/lc147461s.htm#18-4-60

How much do you owe the credit card company? What conversations have you had with them? Any chance at a settlement before they garnish your wages?