Once a judgment is received, wage garnishment of a portion of the paycheck is an available remedy in most states.

There is nothing improper in what you describe.

You may have a lawsuit against them (though not for harassment) and your boyfriend may have a lawsuit. Consult with experienced Judgment...

In requiring a credit card they showed themselves to be a scam.

If you do not want to hire a lawyer you could: 1. Research how to and bring the lawsuit yourself. 2. Bring the claim in small claims court and...

That is incredibly unfair. They have procedures to challenge the debt, follow those procedures and consider a lawsuit.

Check your credit report to see if the debt appears. Have them provide proof of the debt, but do not give them any information including email or...

There might be resources to help you. This may be a place to start your research ...

A debtor not creditor can request a payment schedule.

No. You will need to attempt to collect on the funds after they are paid to the debtor.