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If a credit card company obtains a judgment against you but then dismisses it without prejudice, can they still garnish you years after the fact with no contact, no forewarning? I had a judgment against me in 2008 that was dismissed in 2010 because they couldn't locate me (I moved to another state), but my phone number remained the same the entire time & I've been at the same address for 4 years. Now in 2013, they sent my current employer a garnishment and mailed the copy to where I lived 4 years ago, so of course, I never received it. Can they garnish after they have dismissed the judgment? That's what I need to know. Does my having a copy of the dismissal carry any weight, or am I just stuck with it? The account has been closed since 2007 in Ohio. I now live in VA & the payment is HUGE!