Indiana law - unsecured credit card payment default
I have a number of unsecured credit cards with large, unpaid balances. I make $12 an hour, however, I have a mortgage, 2 children and many other essential bills that I must pay. I have paid the minimum on my credit cards for a while but moving forward I find it hard to pay anything.
My question is: if I were to stop paying anything at all to the credit cards, would they be able to garnish my wages to any degree? I have heard that they can take 25% or perhaps up to 75% of my wages. Is this based on state or federal law?