Legal Question in Credit and Debt Law in Utah

I had a credit card garnish my wages, the reason I don't think this was fair is I was scammed.

I met someone online and they sent checks to my credit card, I then waited about 30 days.

After I waited I called my credit card twice, the first time I wasn't sure they understood that I didn't trust the person making those deposits. The 2nd time was to verify that they understood where I was coming from. I was totally assured the money was indeed deposited and I could be assured the checks were legit.

This was a scam, the checks did indeed bounce after I kept my 10% and sent the rest to the scam artist.

My credit card had only a 1K allowable amount, the checks were about 4K. My credit card lied to me, the checks did bounce. My signature is definitely not on those checks. I have no way to prove I called my credit card twice to make sure those checks were good. I do not have those checks..

Question is would the credit card have those phone records, and would they have those checks. Since my name is not on those checks as the sender could I get out of being help responsible for them. A professional credit card shouldn't be giving money until they have it.

Do I have any chance to overturn this garnishment. I would think this will happen to more Americans that this person is doing this scam to many others. I think the credit card should be responsible as they gave me access to money I made sure I had, when the check bounced however they claimed it was my fault and I had to repay them.

This scam happened about 4 years ago. The credit cards have now garnished my wages.

Please help

Lionoleo

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