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I paid off my student loans via pay garnishments and the IRS taking 3 to 4 years of my tax refunds.

Unfortunately, I have moved 5 times in last 2 years and I cannot find my files confirming this.

After a few years of finally getting my tax refunds, a collection agency contacted me, saying that I still have loans in default.

I told them that I paid these off and they said prove it. Now they are taking my tax refund because I couldn't prove it and everybody associated with this loan - including the IRS - supposedly can't find anything.

What should I do? They collected over what I owed. Please help.

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    Are they actually taking your tax return or threatening to take it? Collections agents can be very sly about making threats to scare you into sending them money. – D Stanley Jan 14 at 22:46
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    "I tell them I paid these off and they said prove it." The burden is on them to prove it. Demand verification of debt. – Kevin Jan 14 at 22:51
  • They can't just "take your tax return". There are several steps in which you could respond before they're able to take anything. The last of them is a judge signing an order. If you're in court that day you could surely ask them to provide proof of the debt. – xyious Jan 15 at 16:21

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