I have credit card debt, was in collections, but I’ve received emails saying I’ve paid off my debts, which I didn’t so im sure my 2020 return was used to pay my debtors
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.
Are you asking how you can recover your 2020 from being garnished, you can't.
Only Federal and State agencies have the ability to garnish. A private collector can't garnish. However, once it hits your bank, then they may take it.