What canI do about a garnishment?

After 2 years of paying a voluntary repo I was garnished. The creditor refused to disclose any account info before and after the judgement in an effort to block pay off. So after replying and having the garnishment reduced to what I was already paying monthly, Idisputed the amount owed with the credit bureas. It was deemed an unowed debt and deleted from my credit upon investigation. The creditor didn’t contest it. So now what can I do about the wage garnishment? Can I take this back into court andhave the garnisment overturned?

Asked on September 6, 2010 under Bankruptcy Law, California

Answers:

M.T.G., Member, New York Bar / FreeAdvice Contributing Attorney

Answered 10 years ago | Contributor

You certainly have nothing to lose.  And I would take it a step further and ask for a total accounting of the matter to determine if they were over payed and for reimbursement if they were.  Judgement creditors are unscrupulous at times and in this economy especially.  They now how to work the laws and slide in just under the radar of illegality. But the consumer - you - has more rights than ever under the law now and you need to take advantage of them . Check with your local state attorney general's office here as well to see if they can be of any help to your cause.  Sometimes they will even take on the creditor on your behalf in an unjust situation.  Good luck.


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