I’ve been listening to this online seminar in which the speaker is a debt collection attorney in Los Angeles. It’s like listening in on a meeting between Darth Vader and those storm troopers in the red uniforms.  At one point she actually laughs as she says “Garnishments!  I loooove wage garnishments!”  The whole point of the seminar seems to be how to use the legal system to scare people into paying because they are afraid of exercising their right to defend themselves in court.  Do not let them get away with this!  Call us or another consumer law firm and get some help!