Credit Card Debt Legal

If I failed to pay the credit card company and they wrote it off and must have sold it to another company, but the debt collector sent it to court, which I didn’t respond because I didn’t think I would have any meaningful impact, and now the court ruled I’m at fault and planning to garnish wages, is there any way of settling with this or is it better to go bankrupt.

The credit card company isn’t willing to settle because they wrong it off. The law firm said to deal with the local court but unsure on what else to do but declare bankruptcy as I cannot afford 20% of my gross pay.

This is in NY state.