XXXX XXXX XXXX, ( 3rd party collection agency ) acted in a very predatory manner. I found out I had a judgement placed on my credit XXXX XXXX XXXX ' ) by doing an annual credit check in XXXX XXXX '. Once I noticed this on my credit I reached out to XXXX XXXX XXXX. Immediately following my call, XXXX XXXX XXXX placed a garnishment on my wages. The problem is XXXX XXXX sent all court correspondences to my old address from 2013 in XXXX, NC. I had since lived at XXXX different addresses all in Virginia including the address that I was evicted from. After reaching out to XXXX XXXX XXXX XXXX XXXX ' they racked up {$5000.00} dollars in charges on my account and are garnishing XXXX % of my disposable income at {$1000.00} per month. I am a hardworking citizen and right now I am in another position for being evicted as well as defaulting on school loans, auto-loans and such forth. I had no clue about court dates or never received calls or correspondences as attempts to collect a debt etc. XXXX XXXX XXXX told me that they got the XXXX,. NC address off of an " credit report '' which on any recent credit report, has that address listed as it should be and it 's clearly not my last known address. The staff at this company has been rude and mis-leading. They have not come forth with information or ways to assist me, they have simply cut me off, given me shortened answers deferred my questions to their " legal department '' ( A manager named XXXX ), and they will not share any copies or paper trails of information concerning my case and the steps they took to contact me with alternatives to garnishment.