Since most consumers have an average credit card debt less than $3000 (for ONE credit card each), would a collection agency actually go through all this effort to garnish a debtor's paycheck when the debtor may have other bills to pay which may total thousands of dollars? Also, if it takes months to get a court hearing set up between the plaintiff and the defendant, isn't there a strong chance that the debt owed to the collection agency could already be paid down by the time the court hearing takes place? In other words, the credit card debt would be at a lesser amount than the initial amount that was first presented to court by the collection agency.