| If you were never served any papers to appear before the court, than anything from the court or creditor is lacking. You have the right to defend yourself when charged.
File Motion to Quash the garnishment, for lack of jurisdiction, both personal and subject matter. Improper service or lack thereof also.
Make them prove their claim against you by provide the original contract, not a copy the original, they must have it to prove their claim.
Never speak to them on the phone, make them put it in writing. | 
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