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There is very little you can do. IF they have a garnishment then they already have a judgment against you and have failed in collecting their money in other ways. The problem is that unless you have some way to have the judgment set aside, you're probably stuck with paying it off or waiting it out. The people taking the money have no incentive to not collect while they can.

If the job is not important then changing jobs will give you a short break (until they find the new job), or you can get a second job and it's unlikely they will bother to look for that income.

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