If you were never served with papers regarding lawsuit.....you didn't appear, the judge just gave the plaintiff what he asked for. You must move to vacate the default AND TO VACATE THE GARNISHMENT AND A REFUND.
Your application to the court that gave the judgment states that it did not have jurisdiction over you.You must show a valid defense to open the default ...otherwise opening it is futile. It will just be a judgment again. IF you succeed in opening it, IT MAY BE DISMISSED DUE TO THE STATUTE. Or at least you file and answer to the complaint and defend. If you win, you can send proof to the credit bureaus.
This is information only, NOT legal advice. No attorney-client relationship has been created. Consult an attorney in your state for legal advice regarding your issue.
Assuming you had a loan or some other obligation to the company on which you defaulted, then your wage assignment in all probability has a clause that says they don't have to sue you, but can go right to wage deduction. I'm afraid there is nothing you can do at this point. Wish I had better news.
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