AAFES Garnishment: What You Need to Know
Attorney Based in Killeen
If you owe AAFES money, they can garnish wages and income tax refunds. WE Don’t SUE AAFES; WE DISCHARGE DEBT OUR CLIENTS OWE AAFES BY FILING A BANKRUPTCY CASE. We only cater to Texas residents.
If you’re an active service member or veteran of the U.S. military struggling to keep up with unmanageable debt payments, you should know you’re not alone. American Consumer Credit Counseling provides debt resources and tools for people managing consumer debt. One primary form of debt for many military families is that stemming from the Air Force Exchange Service (AAFES), which can often result in the garnishment of a significant portion of your military pay.
If you’re struggling with an AAFES garnishment, Erin Baker Shank, PC., can help. We can discuss your debt relief options and guide you through the bankruptcy process if that’s the path you choose. Let us help you get out of debt safely and conveniently. Call or contact us online to get started with a free virtual consultation.
What Is AAFES Collections?
Many current and former service members incur significant amounts of Military Star Card debt or debt to the Army & Air Force Exchange Service (AAFES). These services provide convenient and affordable ways to shop. Unfortunately, they also make it all too easy for military members and families to accumulate crushing amounts of debt.
Unlike most creditors, the AAFES and the Military Star can garnish your military wages or retirement pay without first obtaining a judgment from a judge. This means that they can withhold a significant portion of your Army wages without first obtaining a judge’s permission. They can also garnish your income tax refunds. This process is often completed with the help of AAFES Collections.
AAFES Collections is a debt collection agency in the U.S. that works to recover past-due funds from those with Military Star Card or AAFES debt. Like other collection agencies, AAFES Collections may appear on your credit report as a collections account if you fall behind on your AAFES or Military Star Card payments.
If AAFES Collections is on your credit report, it could negatively affect your credit score. However, you may be able to find relief from your debt and the involuntary allotment (garnishment) of your wages with the help of an experienced bankruptcy attorney such as Erin Baker Shank, PC.
What Sets Us Apart
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Practice Exclusively Dedicated to Bankruptcy Law
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Over 40 years of Bankruptcy Experience
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100% Virtual – Safe & Convenient
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What to Do if Your Military Star Card Goes to Collections
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HAVEN Act & Military Bankruptcy Considerations
Military and veteran families face income questions that don’t always arise in civilian bankruptcy cases. The HAVEN Act excludes specified Department of Veterans Affairs and Department of Defense disability-related benefits from current monthly income when applying the Chapter 7 means test. The means test is the income calculation used to determine whether someone qualifies for Chapter 7 bankruptcy.
Specified benefits include VA disability compensation, dependency and indemnity compensation, VA pensions, disability-related military retired pay, disability severance pay, and combat-related special compensation. A disabled veteran may also qualify for a statutory means-test exemption when the applicable disability-status, service-related debt, and active-duty or homeland-defense conditions are met.
We review each client’s income, benefits, debts, and military status before recommending bankruptcy or another debt-relief path. For active-duty service members and veterans, that review also addresses security-clearance considerations. A bankruptcy filing doesn’t guarantee a particular clearance decision, so the right approach depends on the individual facts.
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I shopped around for a Bankruptcy attorney who would listen to my needs. As I am a retired military member of the U.S. Army, the staff at Erin B Shanks Office were friendly, personable, and knowledgeable. From beginning to end, the staff at Erin B Shank makes the process painless and easy. They answered all my questions and helped me when I did encounter a problem.Aaron C.
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A grumpy company decided not to negotiate a reduced settlement like the other 5 companies did, this caused us to be forced into choosing a lawyer for filing bankruptcy. My wife and I are extremely pleased with our wonderful Lawyer and her staff. Erin Baker and her team handled the process with little hardship to us, they made processing the mountain of paperwork seem so simple. The resulting discharge of our debts lifted a heavy weight from our shoulders. If you find yourselves in need of a Lawyer Erin and her team are the best I have dealt with.Michael S.
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“The staff and Erin were great. I would recommend Erin to anyone. Compared to our other law firm she saved us 10's of thousands of dollars on our bankruptcy Erin is the best we don't think we could have done it without her.”Previous Client
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“Our case had been dragging on for years, but once she stepped in, things moved efficiently and effectively. She worked diligently, stayed on top of every detail, and always made us feel like a priority.”Renee H.
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