Pioneer Credit Recovery has sent a garnishment notice to my boyfriend 's employer on XXXX/XXXX/15 after he had made payments to them on XXXX/XXXX/15 and on XXXX/XXXX/15 which we have proof of. As a previous debt collector, I understand that a payment still counts regardless of the amount and I am convinced that this instance is in violation of the Fair Debt Collection Practices Act ( FDCPA ).