Hospital debt from XXXX XXXX - charged off to Merchants Credit Association. Ongoing garnishment through employer for many years - it seemed cyclical - every 6 weeks or so. Thought nothing when the employer began taking $ from check but this time I did not receive paperwork. Found out from the creditor $ was not given to them and employer did not send any {$.00} Creditor informed me that they had sent the usual writ of garnishment but they employer did not respond. Creditor informed me that the debt was now the employers responsibility. One year later creditor performed a bank levy - when asked about the employer they stated 'it was easier to clean out your account than to get him to respond '. When I told them they said it was the employers responsibility I was told it was up to them to decide who to go after and to 'call back when I was more informed of what the laws were ' When I asked how much $ was left on the debt I was informed I only owed approx {$250.00} I was told they would call me with an exact amount once the levy went through so I could pay it off. XXXX {$510.00} cleaned out of my account again. They said they did n't have to call me if they did not want to. I asked for proof that they even contacted the employer - was informed as the debtor I do not have access to that I would have to get a court order. I can not prove that funds were taken from my paychecks since my employer never gave me check stubs - currently working with XXXX on that. 
Below is the informationMerchants Credit XXXX Department, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXXWrit of Garnishment XXXX Bank Levy XXXX Cause No XXXXApplication for Writ of GarnishmentExemption Claim