Thank you, friend. On this website, I do not always get to give good news, and I am afraid that this is one of these times.
I am going to assume
here that the following occurred: Upon repossession, the seller sued
you for the breach in contract
. However, for some reason, the service of process unto you (i.e. being served with the suit) did not happen, or was faulty. One way or another, you did not receive it. But the plaintiff stated to the Court that you did
and the Court eventually ruled a default judgment when you never responded.
My guess here is that the service of process agent they used claimed that they gave you the petition, but maybe just "threw" it on your door, and it never got to you. Some lazy process servers do this.
Once they got default judgment, they moved to enforce the judgment by garnishment.
Ordinarily, you could reverse the faulty service, stay (pause) the garnishment, and get a new trial
if you can show that you were never properly served. However, if this was was back in 2002 or so, then it is simply too late
, I am afraid. The Court may not believe you if you try to state that you were not served, or at least ask why it took you so long to object and that you should have acted once the garnishment began. So I am afraid it is simply too late.
The garnishment likely began and ended and then began again as different attorneys took it over, etc. A judgment may be renewed in GA, I am afraid, and they likely did this.
A credit report
does not necessarily have to reflect a judgment. While it is often added to a credit report, it is not mandatory.
Just to be sure, ask your HR to see an ORDER from the Court for judgment that the creditor likely sent over for garnishment. HR should provide it - they would not allow garnishment without said order, and, said order could not be issued until/unless the Court rendered a judgment against you. I am very sorry.
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