When SEARS laid me off in 2002, I defaulted on a $3000 SEARS credit card debt . I was contacted by the Fredrick J Hanna Collections Firm in 2006. When I managed to finally find a permanent job that paid me enough to do so, I arranged to pay FJH&A monthly, over three years (2007 to 2010). I even allowed them to autodraft payments directly from my checking account. After 3 years of payments, I understood the matter to be resolved. But this law firm took me to court and FORCED me to pay an additional $4, 200, by way of a $700 a month wage garnishment. When I asked why, they advised that towards the end of my arrangement, some payments were “missed”, therefore I “defaulted” on the arrangement. Turns out THEY stopped the autodraft for no apparent reason and without notification. Ultimately, I will end up paying $8, 000 for a $3000 debt! This is an extreme hardship for me. Besides the fact that the garnishment could possibly cost me my job. I am very angry and unfortunately unable to fight back.