My question involves judgment recovery in the State of: GEORGIA

Hello, Kind Folks!

Sorry for the length of this, but most sticky situations are involved. I have at least tried to organize it well for easier reading. And, oops, I posted same question in another Consumer Law Forum sub-section that is not as appropriate perhaps as this one: sorry for duplication.

A. An out-of-state, aggressive collection agency (hereafter, Agency) is trying to collect a 2004 judgment (not a huge sum) from me (in Georgia) but:

(1) refuses to identify the true CURRENT owner of the obligation,
(2) obviously also won't consider showing proof of ownership,
(3) refuses to clarify its true relationship with the original creditor (hereafter, Creditor), and
(4) refuses to provide appropriate guarantees that I will receive a Satisfaction of Judgment (Release) letter upon payment.

Note: Agency has insisted I make payment check out to Agency, even though I have not received Assignment of Debt Notice. ["Assignment of Debt to Debtor Notice: sent by a debt holder to a debtor informing them that their debt has been assigned to another party. The debtor is also informed that any future payments must be sent to the Assignee."]

B. It is clear that at one point Agency DID have some agreement with Creditor - side details too long to explain support this. If either a contractual agreement between them lapsed (debt assignment agreements are often time-limited) or if their agreement is only verbal, this may explain their behavior, above.

C. This may be a deliberate setup to collect from me multiple times - paying off parties that pretend to be debt owners but are not, never getting the Release letter. Creditor & Agency are both quite slimy, believe me. I put not much past them.

D. After many games, including escrow FRAUD (more in a follow-up after I get a first reply) in late 2005, this agency ceased contact by Spring, 2006. Now, October, 2009, I get the usual, computer generated threat letter of levy and garnishment using Abstract of Judgment and Writ of Execution.

E. I want to STOP THIS BULLYING COLD. Well-meaning advice like, 'Call them and come to an agreement with them,' is useless - just see their behavior in paragraph A. These folk are neither nice, reasonable, nor BRIGHT. Their approach is (though they will never use the words): 'We can bully you all we want, because the law is (a) is behind US, (b) while is BLIND to how we go about bullying victims like you.' [I have asked their reps during phone contacts to transfer me to their supervisors as well as their attorney and been denied; so cannot get to sharper or possibly more reasonable staff of theirs.]

Thank you for any help & insights!