I was served summons on early 2009 by a collection law firm in Minnesota for amount of $2991. ANd judgement was entered on April of 2009. I was jobless at that time but still I tried to negotiate and couldn't get to agreement. I just started working and make descent money and saving some amount. But last week my employer sent me wages garnishment order of $3331. 25% of disposable income ($322.35 amount biweekly) has already been deducted from my last pay check .
I was worried. So, I called that collection law firm to see if they give me some option and also asked them if they have any other accounts of mine. Initially they said they got nothing besides that garnishment but later when they entered my social they said that they have one other account of mine for $12300 amount which they bought from another collection agency and the one more account they already sold it to third party. They said they can do nothing about garnishment but they can do settlement on $12300. They even called me at my work one day and tried to negotiate about it but I told them if they can send me any proofs that says they actually have my another account and I will process whatever payment plans they offer.
But they are saying me its too late for that and since they already sent me documents about a year back ( which I never received) they will goahead and start the process further (garnishment).
So, My concern now is what should I do after I am done paying my garnishment? will they stop taking my money away from my paycheck after garnishment order has been fulfilled or not? or do I have to contact somebody? Besides that will they be able to do garnishment with my other account too without providing any documentation . Do I need a lawyer for this? Thank you in advance for your valuable consulation.