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[–] lemon11 1 point 1 point (+2|-1) ago 

But it sounds like the debt collector is breaking an agreement, as they're wont to do. That makes it impossible to effectively plan finances. Garnishment itself is the punishment or fee for whatever happened before, and they're abusing that.

[–] [deleted] ago 

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[–] lemon11 0 points 1 point (+1|-0) ago 

Default and late payments are accounted for. Theft isn't.