I think that they may have committed some sort of offense by saying they can do something they cant, I.e Garnish your wages without a court order. There are far more intelligent and knowledgeable people on this site than me, I am sure they will let you know if this is so. Perhaps it would enable you to include the threat of legal action against them. I just kept on with the letters, ignored the bullshit the companies sent me in return, as it was not what I asked for. I hate complicating things at my age.
I am the wind that rustles the leaves, I am the heat from the Sun, I am the waves that crash to the shore, I'm just me, 'The Guardian'.
As much as I adore Nature, feel part of Nature and at peace with Nature, I still have an intense dislike Bull_Sh*t.