The merchant meanwhile discontinued service on the ones that he was paid - he was having financial difficulties. under the special rule that goes something like "if the charge is within 50 miles of billing address, if the service/goods a merchant delivers that are not satisfactory in 1 year you may not have to pay the bill if you inform in writing" I wrote to CCC stating this special rule and demanded that they pay me back for services not rendered by merchant. a few months later the merchant filed for bankruptcy. several CC's have called and my usual response is that the debt is disputed and there is monies owed by ccc. this latest cc has taken me to court and gotten a default judgment. i did not even get the complaint. He is asking for garnishment of wages. i have objected to that and now i am supposed to file papers to vacate the default judgment. how do i defend myself? can i go after ccc and cc for monies under special rule above. does the above special rule apply in my case? PLEASE HELP! THX.