Good morning,, Gayle,
1. "et al" means "and others". The first pleading which I the Complaint must name all the parties who are Defendants. Subsequent pleadings need not name all the Defendants; the Plaintiff can list the first Defendant on the list and then state, "et al";
2. The collection agency is probably a collection company which buys debts which the first creditor has "charged off". The first lender/creditor sells its charged off accounts to collection companies for literally pennies on the dollar and assigns all of the right, title, and interest in and to these accounts to the collection companies. Therefore, the collection company becomes the creditor and you owed the money to them since they bought your account and the are the real party in interest when it files a lawsuit against the borrower;
3. If your husband was not named as a Defendant in the Complaint, then the Court had not personal jurisdiction over your husband and should not have issued a Writ of Garnishment to the collection company. Take a look at the original Complaint because that is what is controlling, and see if your husband is named as a Defendant. He would not have to be named in subsequent pleadings.
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