I received a notice from XXXX that they were filing a lawsuit against me for payment. I stayed on the phone to avoid judgement and we agreed on payment terms on XXXX XXXX, 2015. On XXXX XXXX, 2015 XXXX ( representing XXXX XXXX XXXX ), XXXX sent me a agreement for a judgement stipulation eventhough we did an early intervention. 

Secondly, XXXX XXXX XXXX passed another loan to Forster and Garbus. On XXXX XXXX, 2015 I was informed by my mom that XXXX men entered her home yelling for me, and left a card. I took the time to do research to see if there was any case about me. I found Forster and Garbus. I informed Forster and Garbus I was not resident of New York and was willing ot work out a payment arrangement of {$200.00} month for 10 years. I was assured by the young lady that the attorney was going to get back to me however, no one got back to me. 
I called again, but instead I got a letter from the courts the were going to garnish my paycheck regardless of my agreement with Forster and Garbus.