You have not said who the creditor is----but YOUR creditor cannot seize the refunds of your dependents---only yours. Perhaps you need to clarify for us whether the 20 year old twins were also full-time students---we cannot be sure whether you could have claimed them as dependents if they had more than $4300 in income for 2020.
https://www.irs.gov/uac/tax-refund-offsets-pay-unpaid-debts
https://ttlc.intuit.com/community/refunds/help/what-is-a-refund-offset/00/26301
Reduced Refund https://www.irs.gov/taxtopics/tc203
NOTE: You can contact the IRS Treasury Offset Program Call Center at 1-800-304-3107 to ask if they have an offset for you on file. TurboTax would not have that information.
https://turbotax.intuit.com/tax-tips/tax-payments/who-can-garnish-an-income-tax-refund/L7cPPzDyc
**Disclaimer: Every effort has been made to offer the most correct information possible. The poster disclaims any legal responsibility for the accuracy of the information that is contained in this post.**
