I refinanced my home loan in May of 2011 and to close the deal I had to pay $ 800 to a debt collector . I was never notified that this was due and after I paid it they never explained what it was for . They did give me a statement that 0 was due . In 2007 this debt collector sued me for around $ 5 , 000 . The debt ( a credit card ) was not mine and they sued even though I gave them a police report explaining it was identity theft . The case was in superior court and I was not able to respond so they won a default judgment . In 2009 they garnished my wages and collected the full $ 5 , 000 , despite another attempt by me to present the police report . The garnishment was for the exact amount of the court judgment so I don't know why they charged more . Please help with this injustice .