Hello, wow I just read that last conversation. I would like to ask about my garnishment, hopefully it will be smoother than the last one. Two days ago I found my checking and CD account frozen due to garnishment from a credit card debt. I did extensive research. I was told by the collection/credit card co. (Asset Acceptance) that they issued a judgemnent in March of '08, they say that it was given to someone in my apt. who would not give their name. I know for a fact that I did not accept anything from anyone and that there was no one else in my residence (I keep my daytimers, schedules, etc for at least 5 yrs., I'm in sales). I am planning to go to file for a hearing. Although, I do not qualify for any of the exemptions listed this has put under extreme hardship ~ I cannot pay rent, utilities, buy groceries, gas...live! I am completely wiped out with no other credit. This can also jeopordize my job, as I have to spend money to work. Note on bank accounts, one was my everyday personal checking for bills, expenses, etc. The other was a CD that was in mine and my sister's name and although I did originally deposit the money into it a majority of it was used to help her through making ends meet...she has cancer and what was left was there for that purpose in the most part. Do I have any chance of fighting this? I am questioning the issuance of the judgement and the extreme hardship. And, of course, if you know of anything else that can help....PLEASE. I have surely made mistakes along the way and am willing to work with Assets Acceptance but this is going to ruin my life. Many thanks..