Here in NJ, they can not execute any judgement if you are not properly served. This means someone needs to sign the document.
I am not an attorney and this was almost 8 years ago, but I faced a similar issue where a wage garnishment was executed and even a lein on my house based on a summons that was sent to a former address. My family lawyer told me to see the court clerk and request they assist me in filing a motion to freeze the default judgement until all was sorted out. It was granted immediately. I had to tell them I WAS NOT PROPERLY SERVED and requested evidence (of the signature card) that alleged I was properly served.
You obviously can not afford an attorney, so I would definitely contact the court clerk and see if she can help or get you in front of legal aid being that you assets were seized without being properly served.
In my case, they did produce a signature card but it wasn't sent to my address, didn't have my name on it, and ihad no way of knowing anything about it.
The judge had me appear in court a few days later and reduced the execution from 25% of my pay to 5% of my pay due to financial hardship they caused. Their attorney's did not bother to show up and they had to file a subpeona. The judge did not beleive I wasn't served which is why I think she allowed that 5% to continue.
In any event, when the courts got the paperwork back from the orignal creditor, they admitted to screwing up and that the account didn't belong to me.
I made one HUGE mistake. I didn't have the money for a lawyer and my rights got trampled. The bank had promised to refund assets they seized since it wasn't my bill - but they never did it. I tried to get an attorney to help, but I didn't have the money for a retainer so they didn't want to know me.
I wound up losing almost $7,000 because I didn't know I should get back in front of that judge to reverse the judgement execution and apply for a refund judgement PLUS damages, court costs, etc. Don't make my mistake - ask the court clerk about how to get reimbursement for court costs and bank fees caused by them seizing more all the assets. Ask as to what your entitlements are and who to touch base with to find out.

