Default Judgment=Earnings Withholding Order=Title Lien in NY

we found out my wife had a default judgment awarded to a collector in feb 2008 and they just executed a earnings withholding order the past month, which she received from the marshal's office, via certified mail

will this result in the judgment or a lien being attached to our title here in ny? (mortgage is in my name only but both our names are on the deed)

she has sent a certified letter to the collector's attorney to validate debt...is this too late to do so, especially since we never received a summons to appear in court, and getting the ewo is the first time we ever heard from the collector or their attorney.

i'm currently trying to do a re-fi of our current mortgage and also wanted to do a quit claim deed to take my wife off of the title, will the default judgment cause problems with the re-fi (wether it be from the lender/investor or title company) and with the quit claim deed?

i've posted something similar under deeds specifically in regards to being able to do a quit claim deed.

should i not wait for the collector's attorney to respond to our validation of debt letter but go right to filing a order to show cause and vacate the default judgment since my wife was never properly served? she has yet to have any wages garnished.

should i also continue and try to file the quit claim deed?

thanks,