Had credit cards with balance of $600 in 2007 total they were charged off. In 10/2015 to 1/2016 a law firm garnished my wages they took $800. I recently received paperwork stating there was a balance of over 100 and between end of January and the month of February another $600 had accrued. Today I received paperwork from my employer stating garnishment is starting again. No total of what will be taken or how long garnishment will occur. How long can this go on? Is this legal? Should I seek legal advice? Is there no statue of limitations on something like this?
First of all whether the account receivable was "charged off" or not is a non-issue! "Charged off" doesn't mean discharged! Its an accounting process. Moreover, you would not have personal knowledge of it.
Secondly, a writ of garnishment would not have been issued and levied against your wages UNLESS it related to an unsatisfied money judgment. Since you make no mention of having knowledge of a judgment against you, most likely one was issued by default. Meaning that you were served with process; failed to make a timely, formal appearance in the case in defense of the creditor's claim; the claimant produced satisfactory evidence of the debt and obtained the judgment.
Moreover, any defense to the claim because of the expiration of an applicable statute of limitations would need to have been pleaded as an affirmative defense to the creditor's claim or it would be waived, as in lost.
Lastly, because you have neglected to name the state and other vital details are missing it is impossible to address what legal recourse is available, if any.
