How can I get a judgement satisfied? My wages are being garnished.

Asked almost 2 years ago - Denver, CO

In 2009, Discover Bank turned my account over to Seldin & Farrell (collection attorneys) to collect on my account . I paid them a total of $4300.00 and was given a receipt showing the account was paid in full. Now, three years later another debt collection attorney (Machol &Johannes) is garnishing my wages. I asked them for debt validation and they sent me a copy of a judgement that was filed through Farrell & Seldin. I had no idea there was a judgement against me. I have contacted Farrell & Seldin and they told me it is out of their hands because my account had been turned over to Machol & Johannes. I have told both law firms that I have receipts showing this has been paid in full and neither of them will acknowledge this.

Attorney answers (3)

  1. Lucius James Wallace

    Contributor Level 7


    Lawyers agree

    Answered . You are not alone. The problem you are experiencing is one that is experienced by many other debtors who pay in full or settle an account only to learn that the original creditor or debt buyer has reassigined the account to another debt collector. You should contact a consumer lawyer in Colorado. You can find one at Our law firm represented a lady in New Mexico whom Farrell & Seldin attempted to garnish for a judgment on an account that was not hers. The case was tried before a jury in Santa Fe, NM federal court before the Honorable Bruce Black. The jury returned a verdict for actual and punitive damages against Farrell & Seldin for 1.26 Million dollars in July 2011. You can find more information at our website: You may have claims against both Discover Bank and Farrell & Seldin for violations of the Fair Debt Collection Practices Act and Colorado state law. Contact a consumer lawyer in Colorado.

    You may contact Luke Wallace at Humphreys Wallace Humphreys P.C. at 918-747-5300 or For more... more
  2. E Dwight Taylor

    Contributor Level 13


    Lawyer agrees

    Answered . In addition to the suggestions made by my collegues, you could call the Colorado AG's office of consumer protection, or call the Colorado Supreme Court's Attorney Regulation Counsel. You can find both of those in the phone book or online. You can also file a "taverse" to the garnishment if the time is appropriate. For that you will need to retain counsel. Good luck!

    This general response is not intended to be legal advice because I don't have all the facts. The particular facts... more
  3. Stephen Clark Harkess

    Contributor Level 20

    Answered . Call my office or another attorney who handles debt collection abuses. If you have provided the lawfirm with a copy of the receipt showing payment and they continue to pursue a debt that is not owed, you may have to pursue legal action before you can get this resolved.

    These matters can be handled on a contingency fee basis without any money out of pocket and no payment until your case is resolved.

    You can reach Harkess & Salter LLC at (303) 531-5380 or Stephen Harkess is an attorney... more

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