You have a situation that is much too complicated for an answer over Avvo, which is designed as a forum for general answers to general questions. You should consult with an attorney who does collections to guide you through this maze. Good luck.
A response to a question posted on Avvo is not intended to create an attorney-client relationship. It is informational only. Allan E. Richardson, Esq. firstname.lastname@example.org Richardson, Galella & Austermuhl 142 Emerson ST., Woodbury, NJ 08096 856-579-7045.
This is not a question an Employment Attorney could answer unless he/she has experience with collections.
973-984-0800. Please be advised my answers to questions does not constitute legal advise and you should not rely on it, due to the fact that we have never met, I have not been aprised of the facts in you case nor have I reviewed any documents.