A Fraudulant Student Loan

First of all, I would ask my employer for a copy of the paperwork that they received to garnish the wages. Next, I would contact the credit bureaus and let them know you are disputing this debt. Then, I would write a very detailed letter to the collection agency and include in it documentation about your husband being in the Navy at the time. If there is a garnishment, there must be a judgment. You could try search court records and getting a copy of whatever was filed in court, look for proof of service that your husband was served, and contact a civil attorney to ask that the judgment be set aside. Good luck! This must be a true nightmare!

I know for regular ID theft you can go to the FTC - http://www.ftc.gov/bcp/edu/microsites/idtheft/. I would start there. No contact information on the garnishment letter? No name for the school in question? Then why are they garnishing his check? What is the required information for garnishment? Can his employer tell him where the money is going?

Not sure if this would help, but maybe it's a start: http://www2.ed.gov/about/offices/list/oig/misused/index.html

My parents were in a similar situation. They paid a private boys ranch type place over $10,000 for treatment for a sibling. About 15 years later, that company sold ownership. The new owners went in and 'redid' old files and contact my parents stating we owed them $10,000 or we would be sued. My dad is not a wealthy man, but he was fighting leukemia at the time and took out a bank loan to pay it off be/cause he didn't have the time, health or energy to fight it.

People like this make me absolutely sick. I have no clue the type of attorney to look for, but I would look in the phone book. From what I know, "white collar fraud" such as this is handled by criminal defense attorneys. I would not sign the signature without an attorney to translate the paperwork. I would also contact the police in the city it took place in to file a report there, they should be able to do it over the phone.

Call your husbands payroll department. I do payroll and the court documents we are sent have a lot more information than you seem to have. Might be an easy place to start.

Start with your husbands company, they just dont garnish a check without substantial proof. There is more to the story, get them to cough it up!

If it is a federal loan then it's not fraud... if it's a regular loan they are just saying is federal then yeah, it's probably not legal. He should have had SOME sort of contact about it before they started garnishing his wages and the fact that they refuse to give him info about the loan?! I can't imagine how pissed you are! I'd get in touch with the FTC, get as much info on the company as you can and just be like "they are taking money from us and they won't give us any information about it.." I would have already lost it on these people.. but no attorney's number and no info smells like a scam to me.. or at least a very illegal way to collect on a debt.