Asset Acceptance garnished funds from my personal checking account three weeks ago without notifying me that they were doing such; I learned of the garnishment when my card was rejected at a POS and I called my bank. The entirety of the funds contained within the account were federal student loan funds, refunded to me for living expenses after paying for my medical school tuition. Because these funds are not wages, compensation, and compose the whole of my living expenses, I filed a challenge to the garnishment which the judge ruled was accurate and my funds as exempt. The funds were taken from the account before the judge's order to sustain the challenge however. I am still waiting on Asset Acceptance to return my money, and calls to them have resulted in referral to the attorneys who handled the case. They say they have no control over the account anymore, and will not even admit to receiving the funds that were garnished. Likewise, the firm that represents AA - Javitch, Block, and Rathbone - claim they have received no order and will not rescind.

Both parties treat me like a moron, and refuse to talk. They beat around the bush, they leave me on hold until the call is dropped, or pretend that I am asking questions they can't answer. Asset Acceptance is especially inane. Just today a representative refused to answer any question I asked, and hung up on me. I never instigate or provoke these parties when we speak.

I currently am living off whatever free food I can find, because in my opinion, Asset Acceptance has stolen money from me. Debt or no debt, this is fair, unusual, and cruel.