How long ago was that judgement?

They probably either a)added a bunch of fees and penalties, or b)just pulled all of it to make SURE they got enough. I don’t know how garnishment works. It’s possible that if you owed $1000 but only had $500 in the bank, a garnishment for $1000 would simply be refused.

My 401K account says that

there is no penalty if I get it paid back before April 15th. And no penalty if it is to avoid foreclosure? I was putting it into another bank account that they haven’t hit / found and then electronically posting it to the mortgage company.

The other, I’m trying to find out. It was from a lawyer – and I can’t reach a human being there to save my soul. I’ll try later today again. Trouble is, I’m at work and I need to work too!!!