Thank you. On this website, I do not always get to give good news, and this is one of these times.
The default judgment is back in 2014. Someone in your situation has virtually no options to set the default judgment aside unless they can prove that the service for the process was not proper to begin with. Which sounds to be unlikely if you say you were served.
Ergo, the only option otherwise is:
1) To enter into a voluntary repayment agreement (they have to agree) that ends the garnishment, or
2) File a bankruptcy which would void the judgment or reduce it to payments on the dollar and would end the garnishment as well.
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