I used to be in MN when this happened, so things could be different
in your state. However law does not changes much in Nature therefore they tend
to resemble across state and national lines.  In other words, the code does changes, however
the wordings and the intended implication tend to remain the same.

The first rule of garnishment is you cannot be garnished
without being served. If they did that call them and tell them that you will be
taking the matters to the court and see what happens.  If they are respectable big firm then you
might get your money back. If you had been served then you are somewhat out of
luck and your chances depend on the following:

A)    
If you have a full time job:

If you do then game is over and forget what happened. Served and full time job(with
a paystub-remember cash jobs don’t count as a they can’t prove nuts) = its
legal for them to garnish.

B)     
If you don’t have a full time job (with paystub)
then looks for a free lawyer. What you are looking from the free lawyer is  a credit handbook for your state, and you are
looking in the credit handbook is the minimum criteria for garnishment.  

For Instance, in MN, you could not be
garnished unless you made 40 times the minimum federal wage, i.e.  40 X 5.something.  So anything below this amount used to be
considered as “mare minimum needed to survive” and therefore, could not
garnished and anything above was a fair game.

I hope you can make sense of above. Good
luck.

Well For me, I used to be a student and
fell under B above. Therefore, called the company and fought and got all my
money back. I even called my bank and told them they authorized an illegal transfer
and got even the back charges back.

So, good luck. …..