I agree some of what you said makes sense.
From the original post, he didn't yell and scream he doesn't owe the money, so I assume it's legit. Then he went on to say he moved twice, and having handled garnishments for my employers, I often see that there's a long time lag between judgment and garnishment, so time has already passed.
This is why I didn't push the time is of the essence issue. And if this is not a particularly large debt, it is not worth the bother of an attorney to look at on it's own merits, or even for the OP to incur fees. It only make sense to someone handling a class action, and that's where you can collect some nice damages. I added some comments in my prior post about the difficulties of finding an attorney who would even want such a case.

