Debt Garnishment Dispute Resolution

Summary

If a debt was fully satisfied but garnishment continues, review Georgia tort laws for claims related to debt collection and garnishment. Keep all documentation of disputes and communications. Consider consulting a local attorney for advice specific to Georgia laws. You may also file a complaint with the Consumer Financial Protection Bureau. If the debt buyer fails to respond, consider pursuing a small-claims case to seek damages and the return of garnished wages.

Full Conversation

I was garnished for a debt that was fully satisfied in August *, yet no satisfaction of judgment has been filed as of December *. The debt buyer now claims I still owe $* and has added interest. I disputed the debt with the credit bureaus, but it was twice verified despite my proof. I sent a demand letter in September * giving them until December 18th to respond before I escalate. Since then, I discovered all my credit reports show the original creditor marked the account as “sold, paying as required,” which makes me question whether I ever owed the original $*,*.*. I’m considering a small-claims case if they fail to respond, and I want to avoid federal court, so I intend to keep my claims limited to Georgia torts and seek damages plus the return of all garnished wages.
It sounds like you're dealing with a complex issue, ****. Here are some general steps you could consider:
- Keep all documentation related to your disputes and communications.
- Review Georgia tort laws for claims related to debt collection and garnishment.
- Consider consulting a local attorney for advice specific to Georgia laws.
- File a complaint with the Consumer Financial Protection Bureau if needed.

Would you like to be connected with local lawyers who can assist further?