Complaint Review: Collection Bureau Services

In July 2002 I accidentally wrote two bad cheques. One to blue basket for $5.14 on July 3, 2002 and another to cenex for $10 on July 4, 2002. My husband had just left me, he was suffering from drug addiction, cleaned out my bank account and with two young children to care for alone as a teen mom. 
Fast forward ten years and thousands and thousands of dollars later that I have spent trying to recover from the financial damage my first marriage had left me in. My ex was in prison so all his bills went to me as well. 

Now out of the blue, 18 years later I receive a judgement, a levy on my bank account, a notice of seizure to garish my wages for over $2000! From two cheques totaling $15.14 in 2002. From my calculations that's an interest rate of 32%. I understand there are other fees and that charges occur, but none the less I am utterly shocked. How is this not usurious rates? 

Not to mention, nothing of this matter was reporting on my credit report. I've had lived at the same address for over 8 years and my previous address for almost 10 years. I have been employed for many years and filed my taxes. I'm not burning the money bands these days, but I'm not complaining either. I most definitely would have taken care of this when I was able  and if it had been a reasonable request amount. 

It has been over ten years since I have been notified of this cheque debt and it has also been very few and very far in between that any attempts have been made.