<prompt> Human: I recently noticed that my paycheck was being garnished for a student loan and was given the address and phone number of the company who is garnishing me. I have called them and they have no record of me and therefore cant give me any information. So now I have no idea what this loan is, if its even valid or how to take care of setting up a payment plan so that Im not garnished. Im at a loss of what to do next. Also, I was under the impression that you needed a judgement against you in order to garnish wages which means I would have had to have been personally served a lawsuit correct? Im very frustrated and not sure what to do next. If anyone has any insight I would appreciate it.Assistant: Your payroll department should have a copy of legal papers requesting the garnishment. Ask for copies of those papers. They will have the info you need to follow up with the garnisher. Human: Thanks, Ive just requested that information. Unfortunately it seems that my payroll department doesnt really know what they are doing.Assistant: Your payroll department was legally required to give you the paperwork before the garnishment began. Literally they are sent pages labeled employee copy Edit: in the USA. Human: I just called them and they cant find it and say that they arent legally required to give it to me.  <response>: Get it in writing from them saying they cant legally give it to you. That way if thats false you have them 