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  1. #1
    Join Date
    Sep 2017
    Posts
    1

    Default Wage Garnishment on an 11 Year Old AAFES Debt

    My question involves collection proceedings in the State of: Arizona

    Hello, im new here and would just like to say thank you for those who will offer assistance.

    My debt is through AAFES military star card, the collector is Transworld.

    My AAFES account became delinquent in 2006 for the ammount of $6,500. I have not received any collection letters from this account or have been contacted by anyone regarding it until january of 2016, where they took my tax return. ($5,500) I had assumed that this would nearly cover the debt, until I received a certified letter today from a company called Transworld. they report the debt as $13,333! I have no idea where they got that number from, but I was blindsided by it. To be honest, I was under the impression that there was some type of statue of limitations regarding debts so many years old. This debt is from 2006. I have not received a validation of debt, or any information on the court doing the garnishment. Look, I understand that I owe money, but in the last 10 years I have suffered serious psychiatric issues and have not kept on top of it. I listened to bad advice telling me "just to wait seven years" and it will be discharged.

    Does this "administrative garnishment" for twice what I owed sound legit to the experts here? Is there anything I can do ?

  2. #2
    Join Date
    Nov 2013
    Posts
    7,056

    Default Re: Wage Garnishment on an 11 Year Old Debt

    We don't have all the facts or history of the debt so we can only guess. Consider that the original debt on the card was accruing interest each month when you went into default. Then when it went into collection, the cost to get a judgment, legal fees, and continuing interest continued to be added. So it is possible that the original debt of $6,500 grew to $18,833. They took your tax refund dropping the judgment to $13,333 where it still accrues post-judgment interest.

    If you never received any service on the collection case, never received notice of a court hearing, and a default judgment was entered against you, you should talk to an attorney. When the case was filed and when a default was entered may be affected by the statute of limitations. But as I said, we don't have that information.

  3. #3
    Join Date
    Jul 2010
    Posts
    8,006

    Default Re: Wage Garnishment on an 11 Year Old Debt

    Quote Quoting budwad
    View Post
    If you never received any service on the collection case, never received notice of a court hearing, and a default judgment was entered against you, you should talk to an attorney. When the case was filed and when a default was entered may be affected by the statute of limitations. But as I said, we don't have that information.
    AAFES uses Administrative Wage Garnishments for STAR card debts. No court order is required for one of those. OP would be entitled to a hearing once they get the notice of intent to seek the garnishment but it is probably all but a rubber-stamp situation since they acknowledge they owe something, it's just the amount in dispute.

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