Legal Question in Credit and Debt Law in Georgia

Regarding the first sentence, maybe. It depends on the state law that governed the contract. Also, if the creditor sued and won at some point, they have potentially ten years from that judgment to collect.

Your question about garnishment makes no sense, as the very form that starts a garnishment is a summons. While an employer MAY tell an employee, they have no legal obligation to do so. What I suspect confused you is that you do NOT get a summons.

Once there is a garnishment, a pertson has waited way too long for a lawyer, as he has already lost a lawsuit (a garnishment simply carries out the judgment).

There are two choices in a proper garnishment. Pay the money. Or get a lawyer and go bankrupt to stop it (assuming one qualifies to file). If you are thinking bankruptcy, feel free to call me.

A garnishment means a judgment has been entered. If it is still a valid judgment, it does not matter how old the debt is. Presumably, you knew about the garnishment when you got the check. The time to handle the situation would have been before a judgment was entered.