Based on your financial expertise, provide your response or viewpoint on the given financial question or topic. The response format is open.

Debt collector has wrong person and is contacting my employer
It's probably a scam or maybe some amateur agency trying to put pressure on their target. Normal garnishment goes through the court system. Just ignore it. Tell your employer they obviously have the wrong person since the SS is wrong.  Suing clowns like this is not worth it. Just to clarify this some more for you: Trying to collect on a random person with the same name is called "tagging" in the collection industry. Before 2010 it was common because it was actually easier to legally bully the wrong person (who had money) than the right person who does not have money. That was then, this is now. Various federal and state laws have been passed since that time to prevent identity theft and these laws create big liabilities for debt collectors that try to bully the wrong person. Therefore, it rarely happens anymore, though of course sometimes agencies will still call you if they think they have a soft target. That's what the call to your employer is, just a test. A pro collector (like a law firm) would never call an employer, because they could get sued for doing that, but some amateur working out of his basement might. That's what you are dealing with: some joker in a basement. Such people never sue, they just buy old debt for pennies on the dollar and try random harassing phone calls. Ignore it and he will move on to the next "John Smith" on his list. A lot of lawyers will advise you to "talk" to the collector, correcting their misinformation, blah blah. Lawyers like talking, because the more talk there is, the more money they make. In the real legal world: never talk to your enemy or give them information. The way real courts and judges work is that they don't like plaintiffs who sue the wrong person. In fact, they do not like it VERY MUCH. Very bad things happen in courtrooms to people who sue the wrong person. Judges have VERY short patience in general and they DO NOT LIKE IT when somebody wastes their time by suing the wrong person. Basically what this means is: ignore the guy and he will go away.