AAFES and Transworld collection

[Meraxes]

My girlfriend is an ex-army spouse. They separated four years ago and she moved to another state. Today she received a notice from Transworld Systems Inc that the AAFES was issuing an AWG due to a star card debt for over $8,000. This was completely out of the blue as she has received no notices from them previously, and had no idea this debt even existed.

 

Now, she was the primary account holder on the card, with her ex-husband, who is still in the Navy was a cosigner since his credit was bad. However, she did not work and had no income when they were married. Is she just SOL? Is there any way to convince the creditors to only go after her ex-husband?

 

Thanks in advance.

[MarvBear]

Welcome to CreditBoards.

 

Hopefully someone will be along shortly with some information that helps you.

[ICANHASMUNY?]

non working military spouse - he had the income, and that's why they wanted him to cosign -

 

is this card still open and who's been using the card in the meantime, it's been 4 years !!!

 

 

 

 

https://www.fiscal.treasury.gov/fsservices/gov/debtColl/dms/xservg/awg/debt_awg.htm

 

If a request for a hearing is received within 15 business days following the mailing of the written notice to the debtor, a hearing must be held prior to the issuance of a wage garnishment order. If a request for a hearing is received after 15 business days, a hearing must still be held; however, the garnishment order may be issued before the hearing is concluded. A hearing may be requested concerning the existence or amount of the debt, or the terms of the proposed repayment schedule under the garnishment order (hardship).

The federal agency will determine whether the hearing will be oral or written. If the agency decides to hold an oral hearing, the agency will decide when and where the hearing will be held, and the debtor may decide whether the hearing will be in-person or by telephone. The debtor will have to pay any travel expenses for an in-person hearing.

 

Didn't she close the card when she separated?

 

was it a Formal separation , and are there divorce papers floating about somewhere ?

 

if she did, and he reopened it fraudulently, then that's really ID theft -

 

you need to request a hearing, and ask AESS for proof of use , and a payment history

 

https://fiscal.treasury.gov/fsservices/gov/debtColl/pdf/awg_hearing_request.pdf

EXPLAIN any additional facts concerning your objection on a separate sheet of paper and, together with all supporting documentation, enclose it with this request.

Since she moved out of state, it should be easy enough to prove who has been using it

she could fire off a letter to his commanding officer - " conduct unbecoming"

[PotO]

My girlfriend is an ex-army spouse. They separated four years ago and she moved to another state. Today she received a notice from Transworld Systems Inc that the AAFES was issuing an AWG due to a star card debt for over $8,000. This was completely out of the blue as she has received no notices from them previously, and had no idea this debt even existed.

Now, she was the primary account holder on the card, with her ex-husband, who is still in the Navy was a cosigner since his credit was bad. However, she did not work and had no income when they were married. Is she just SOL? Is there any way to convince the creditors to only go after her ex-husband?

Thanks in advance.

AAFES is very aggressive about getting their money. Since they are not bound by any after-the-fact divorce decree, if she never closed the account after separating from her ex then she is SOL.

 

I'm thinking her ex is no longer on active duty or was never a co-signor at all, but just an authorized user. If he were still on active duty and financially liable for the account, AAFES would have long ago easily garnished his pay.

 

AAFES can no longer use the chain of command to deal with debts. If the ex contacts his unit to complain they will just politely tell her to FOAD.

 

I'd write AAFES and get all the documentation and facts before seeing what the options are.

[ICANHASMUNY?]

 

My girlfriend is an ex-army spouse. They separated four years ago and she moved to another state. Today she received a notice from Transworld Systems Inc that the AAFES was issuing an AWG due to a star card debt for over $8,000. This was completely out of the blue as she has received no notices from them previously, and had no idea this debt even existed.

Now, she was the primary account holder on the card, with her ex-husband, who is still in the Navy was a cosigner since his credit was bad. However, she did not work and had no income when they were married. Is she just SOL? Is there any way to convince the creditors to only go after her ex-husband?

Thanks in advance.

AAFES is very aggressive about getting their money. Since they are not bound by any after-the-fact divorce decree, if she never closed the account after separating from her ex then she is SOL.

 

I'm thinking her ex is no longer on active duty or was never a co-signor at all, but just an authorized user. If he were still on active duty and financially liable for the account, AAFES would have long ago easily garnished his pay.

 

AAFES can no longer use the chain of command to deal with debts. If the ex contacts his unit to complain they will just politely tell her to FOAD.

 

I'd write AAFES and get all the documentation and facts before seeing what the options are.

 

who is still in the Navy was a cosigner since his credit was bad.

 

 

also, if she had closed the card and he reopened it and used it, and didn't pay , then you can make it his problemo.

 

no feed back on this . ?

[PotO]

 

 

My girlfriend is an ex-army spouse. They separated four years ago and she moved to another state. Today she received a notice from Transworld Systems Inc that the AAFES was issuing an AWG due to a star card debt for over $8,000. This was completely out of the blue as she has received no notices from them previously, and had no idea this debt even existed.

Now, she was the primary account holder on the card, with her ex-husband, who is still in the Navy was a cosigner since his credit was bad. However, she did not work and had no income when they were married. Is she just SOL? Is there any way to convince the creditors to only go after her ex-husband?

Thanks in advance.

 

AAFES is very aggressive about getting their money. Since they are not bound by any after-the-fact divorce decree, if she never closed the account after separating from her ex then she is SOL.

I'm thinking her ex is no longer on active duty or was never a co-signor at all, but just an authorized user. If he were still on active duty and financially liable for the account, AAFES would have long ago easily garnished his pay.

AAFES can no longer use the chain of command to deal with debts. If the ex contacts his unit to complain they will just politely tell her to FOAD.

I'd write AAFES and get all the documentation and facts before seeing what the options are.

who is still in the Navy was a cosigner since his credit was bad.

 

also, if she had closed the card and he reopened it and used it, and didn't pay , then you can make it his problemo.

 

no feed back on this . ?

Have to see all the details. A lot here is not clear.