My husband had an outstanding credit card debt, that a creditor filed against our tax returns for, for the last several years.

A few months ago, a different collector bought the debt, and emptied our bank accounts. When we contacted them about it, they told us the debt it was for and we explained that our tax return had been used several years in a row to pay that debt. We were told they bought it as a valid debt and they were going to persue it.

We contacted the IRS, and were given statements of the amounts paid. The other creditor was OVERPAID by $1,000.00. They then turned around and sold the debt to a different company.

We have sent the new creditor the paperwork from the IRS....but it has made no difference. They said they would look into it....but didn't. All they did is buy time, to hit our accounts again, and completely drain them!

How can we stop this from continuing and how can we get this money back? HELP!

Rhonda
Additional Details
It was our State Tax refunds that were taken. (Michigan)

We assumed they needed a court order too, but we just recieved notice in the mail instead of a refund check, on who it went to. (Providian National Bank Collections)

We have never gotten any type of court paperwork, that showed anything was filed in court to get this. We assumed they filed a lein with the state, showing an outstanding debt. We did not dispute it, figuring we did owe it to them.

But now, a different attorney has taken funds from our band accounts. When we called them, they needed proof that the prior debt was covered....we got the records of the tax returns released to pay it, and the totals...and sent them copies....they said they would look into it.....it just bought them time though....because they hit our accounts again, today, and emptied them. We still have never seen any type of court paperwork saying it was ok to do so. We are not sure how they are doing it. So we are seaking advice.