After what I considered unfair treatment by XXXX, I had a credit card charge-off in XX/XX/2008. A few months ago, my wife was served papers for a lawsuit filed by a collection agency with my name and hers as defendants. More than six years had passed since the approximately {$7500.00} debt had been charged off, and now a debt collection agency in XXXX was suing me. I feel there are many problems with the suit, among them the amount of time since the charge-off, the fact that no attempt was made to contact me about paying the debt, my wife and I did not know each other at the time I incurred the debt and it was charged off, yet now she was named as a defendant, and I was never given the opportunity to 'have my day in court. ' I filed a response at the courthouse ( at a cost of almost {$300.00} XXXX, and was never granted the opportunity to plead my case. I heard from the law firm suing me that I lost and also that there was to be a hearing about garnishment, but all of these communications were sent ( I believe purposely ) to an incorrect address so that I would not receive them. Now my paycheck is being garnished, and I have never had the chance to speak in court. I do n't know what to do.