I have been making monthly payments since a debt collection attorney/ agency. I was told that if I did not make my payments my wages would be Garnished. I have heard recently they cannot threaten you with garnishment. Since the pandemic I have reduced my payments to about half the original amount as well as enclosing a note requesting a debt validation letter so I know what I'm paying. I have not received one and this is at least the fifth time I have requested this. Any suggestions?