I think you have to sit down with a financial planner or a lawyer, look at your whole portfolio of debt combined with your income and work out a payoff plan and a budget for you to live by. Your 180 will be adhering to it.
I don't regard the garnishment as a backslide because there's nothing you can do about it. You're paying for the sins of the past as it were. I think you have to accept the things you cannot change, and that may be one of them.
Just like your marriage, your debt problems will not be solved overnight, it's going to take time and consistency, but you can do it, there's no reason you can't.
Focus on the longer term and make it right. You might want to send W an e-mail and give her a heads-up. Keep it business-like. Something like "I'm working very hard on sorting out my financial situation -- unfortunately that's not going to happen overnight. One of my credit cards has resulted in a wage garnishment, you will see this on my paycheck, but it should not impact the money you receive. I will work with a financial professional to put a plan together to get this sorted out and to come up with a budget I can live by, so this should not happen going forward."
That way you head it off and set her expectations. Longer term though you have to get that sorted if you're to convince her that you can offer financial stability, and that is a need she has.
Accuray
Married 18, Together 20, Now Divorced M: 48, W: 50, D: 18, S: 16, D: 12 Bomb Dropped (EA, D): 7/13/11 Start Reconcile: 8/15/11 Bomb Dropped (EA, D): 5/1/2014 (Divorced) In a New Relationship: 3/2015
