My collection company added a $2,600 fee then continued to charge me interest on the total. When I tried to contact AAFES directly I was referred to the collection company. When I tried to negotiate with them they made it clear that they would keep collecting until the full amount is paid. My suggestion is to declare bankruptcy and get the judge to declare the account as a credit card not a government debt. Then you can have the balance dismissed, once and for all. My advice for tax returns is to quit withholding and put the money in the bank. Then at tax time pay exactly what you owe. No return nothing to take. They can take other government payments, so do this sooner rather than later.
