So, when I owe a credit card $25,000, they should NOT be allowed to garnish my wages? That's indentured servitude.
That is not indentured servitude by definition.
(An indentured servant or indentured laborer is an employee (indenturee) within a system of unfree labor who is bound by a signed or forced contract (indenture) to work for a particular employer for a fixed time. The contract often lets the employer sell the labor of an indenturee to a third party.)
These are assumptions of indentured servitude that are not part of the definition, and most definitely not how the OT defined indentured servitude among Hebrews. Then and as in recent history indentured servitude can be voluntary to pay off debt and most oft had a time frame.