redcrane22 said:You really need to get in touch with whoever is handling the garnishment, and honestly, you could have figured all this out the moment you opened that mail. Avoiding the delivery doesn't actually protect you or buy you any extra time; if anything, it just makes things worse. You haven't delayed the inevitable, and there’s a very real chance they won't even bother sending more notices—instead, they'll just move straight to freezing your bank account in a month or two.
Maybe you can work something out by reaching out to the collection agency directly, but I wouldn't count on them being particularly flexible or willing to go out of their way for you.
The mail carrier actually told me he’ll be back in a few days, and look, if the situation was one where I should have just accepted the notice, then I would have! They can't freeze my bank account because I'm not currently employed, so the only thing in my name is my car (which means they'll probably just seize the car if I don't settle up).
What I really want to know is, is there any chance I can set up a payment plan? And, well, if that isn't an option... I guess you think it might be too late to sell the car?