in 2012, I received a summons to appear in court, and immediately called MCM. I entered into a monthly payment plan, and was advised by them NOT to respond to the summons. They said that they would advise the court that we reached a settlement outside of court, and no judgement will be entered. Little did I know, that there was a judgement entered against me! When MCM sent me my "judgement", they sent me a judgement for someone else in the county over from mine! I advised them of their mistake, and my concern for someone else having knowledge of my debt. They responded with a "Don't worry about it, we didn't send it to anyone else". I was able to make the payments we had agreed on on time, and then suddenly, MCM stopped taking the payments! My card number didn't change, my bank account information didn't change. When I asked them about this, they were extremely rude, and said that I wasn't making the payments. They were automatic payments! I also filed a complaint with my state attorney general, and BBB regarding their collection practices (Last person I spoke with at MCM demanded I pull over my car to write down information, on a very busy highway no less, and he was rude an unprofessional, not even giving me the MM MD!) 2 weeks ago, I got a letter in the mail from my employer that now MCM received a court order to garnish my wages. Obviously, the garnishment has already started, but I was never notified that they were even taking me to court for a wage garnishment hearing. I filed an appeal, and have my court date for next Thursday. In preperation for the court date, my husband had me pull out and put together all the documentation that I ever received from MCM, and one thing really shocked us - the "summons" that MCM had delivered to my home was never signed or notarized by the courts! On top of that, I'm not really sure what type of case MCM even had, considering they never supplied me with the proper judgement in the first place. The biggest issue is that my husband does not work, so I am the breadwinner in the family and we are barely keeping our heads above water. Is there anything that I can do?