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If the debt isn't yours, and they won't work it out with you, then you can stop paying, wait for a garnishment, and then sue the lender for the false garnishment. You should be sure to document your attempts to communicate with the lender and to get this situation straightened out so that the judge sees that you attempted to get the lender to do the right thing, and they refused. But hopefully it won't come to that ... I would only sue as a last resort. Until then, I would continue your efforts to get them to see that they've made a mistake.
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