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They included 847 whose credit reports had been dinged by the agency and 1,808 whose paychecks had been garnisheed or whose tax refunds had been withheld.

If employees continually refuse to pay, their wages can be garnisheed.

As a result, an estimated 95 percent of debt collection lawsuits result in default judgments against borrowers, an automatic victory for the debt buyers that enables them to garnishee consumers’ wages or freeze bank accounts.

The candidate’s husband, Gail, won a judgment against the painter and had his property garnisheed when he was unable to pay the sum.

The agency can't put people in jail or garnishee wages to get the money.