NYC for credit card debt. How do I deal with this?

[baby2020]

I have default judgment in NYC for credit card debt. How do I deal with this?
I was never served for the complaint. As a result judgment was served. I never found out until my paycheck was garnished. Can I contest this? If so, is it a waste of time (I'll have to pay eventually unless i prove identity theft)? Can I get it vacated, then try to negotiate a settlement? How about declaring ch 13 bankruptcy?

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Brooklyn bankruptcy lawyer|Brooklyn bankruptcy lawyer

[chicogon]

Chapter 11 

[ms da binsi]

Baby2020, im sorry to tell you that you can not gather clients here because Tubag Bohol  members resides mostly in the Philippines.