I applied for a XXXX XXXX XXXX Credit Card in 2004. I had a {$2500.00} limit. I was laid off and also was in a motorcycle accident and could n't work. I could not afford to make payments. XXXX XXXX XXXX sold the debt to XXXX XXXX XXXX. I never knew I had a judgment on my credit report until they contacted my employer to garnish my wages 6+ years after the judgment was filed. McCullough, Payne & Haan, LLC is now handling the collection. The {$2500.00} now is over {$12000.00}. I have the judgment, garnishment paperwork, and a fact sheet to attach for a better understanding of what has taken place.