<prompt> Human: She cant recall what the debt might be for and no debt shows on her credit report. The said they would be garnishing her paycheck but the company they are claim to garnish her paycheck from does not pay her. She works on things for her brothers business but he does not pay her any wage and this is where they claim they are authorized to garnish the money from. Where is a debt collector allowed to sue her for this debt? I was under the impression that it had to be in the county or district in which she resides. My search of court records shows no court hearing at all, so I am at a loss here. It wasnt a phone call, it was a letter from an attorney offering to help pay. Found a record of a lawsuit but it was from 2012 and we never received any garnishment letter. I was able to find the court filings. Turns out this was a Nulla Bona filing to extend their original request for wage garnishment originally filed in 2011. This firm has already been involved in a class action lawsuit by the Consumer Financial Protection Bureau back in 2015 for illegal actions by them between 2009 and 2013. Searching the court records I have found at least 40 Nulla Bona filings by this firm in the last month, record after record. And the list of complaints files on them is quite remarkable. Consumer Financial Protection Bureau Complaints  <response>: Sounds like a scam to me. 