If you co-signed the loan, there is no way to avoid being sued for the debt unless you negotiate some sort of settlement with the creditor.
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You have an attorney contact the creditor and see if they will accept the garnishment in lieu of proceeding with the action. Don't count on it.
If you'd like to discuss, please feel free to call. Jeff Gold Gold, Benes, LLP 1854 Bellmore Ave Bellmore, NY 11710 Telephone -516.512.6333 Email - Jgold@goldbenes.com