Debt collector threatens wage garnishment

[RaynDaisee]

Thank-you in advance for any responses to this post.

The facts: As soon as I turned 18, credit card offers poured through my mailbox...I opened an account, paid on what I owed, and charged more to the account, and have experienced hardships that have not permitted me to pay this balance. The credit limit being $201, I now owe $801 on the account as of today.

I received a phone call this morning from a debt collector. After being put on hold, I finally speak to a representative of the company claiming that I owe $801 IMMEDIATELY to the company by check/debit/credit card or they are filing a lawsuit and garnishing my wages 10% per week to resolve this debt. I inform her of the fact that I do not have a checking account, nor credit card (since the debt being recovered is a credit card, assumptions only lead me to believe that since they have viewed my credit report, they very well know that there is not another account open)...possibly I assume too much competence.
So, the debt collector asks how much money I have to send to them as of today, and as I tell her that no funds are available, she hangs up on me...again.

Long winded, I get to the point...
Under the Wage Garnishment and Bankruptcy Exemptions of the state of PA, I am 100% exempt from having my wages garnished...am I correct? Or has this somehow changed? If I am correct, was it legal for the debt collector to state that if they do not receive payment, that my wages would be garnished?
I am also aware that in the state of PA, an open account (which this is considered) has only 4 years of enforcement under that statues of limitations, and possibly they are now threatening lawsuit being that it is coming close to that time?