My question involves collection proceedings in the State of: Went to college in PA, and now living in IN.
Long story short: I moved several times after college, and did not understand the importance of changing my address with my debtors. I thought I was paying on all of my loans, but found out from the court summons that I was only paying the federal government through AES, not TERI. They would NOT let me set up a payment plan--I had no choice but to go to court. Now, I am being garnished for only the TERI loan (25%, which is killing me, but I understand). Everything else is taken care of.
I married within the last year, and now I am worried that they will take our tax refund.
My question is, will filing our taxes separately prevent TERI from taking part of our refund, or will they take it regardless?

