A Collection Agency is filing a Judgement against me on behalf of a surgeon concerning a shattered elbow in a fall. The amount is over $6,000

I have 1099 income. I need to know if they can get a garnishment if I am not an employee.

It is my belief that they can get into my bank account. If they take money once, can they repeat whenever they want?

I have a 1996 Jeep Cherokee which I don't think is in danger. Am I correct?

I tried to work out a payment plan, but was told that the payment would have to be $500 - $600 month which I can't afford. Agent very unresponsive and wouldn't even return my calls at first.

Is there anything I can do at this point to protect what I have? I am willing to make reasonable payments, but I lost everything in the accident and don't want that repeated.