The post you replied to (and the parent article) are talking about garnishment, interest, fees, etc when debt is collected upon. If you ran your credit card up

The post you replied to (and the parent article) are talking about garnishment, interest, fees, etc when debt is collected upon. If you ran your credit card up to the limit and did nothing (including doing nothing when you were sued for the debt), you would end up with your wages garnished and proceed to pay far more than $11k, just as I said.