Army and Air Force Exchange Service Debt Collection Complaint

Army and Air Force Exchange Service Debt collection department,

Credit card Communication tactics Threatened to take legal action California

On - -, 2015 I received a letter from - - threatening to garnish my wages if I did n't make payment arrangements to settle an old account, $5500.00. I spoke to - -, account manager, of - - , - and he informed me that I needed to pay - % before I could make any arrangements. I said I did n't have that amount of money and he insisted I contact my bank, or another bank, and request a debt consolidation loan ; failure to do so would require them to garnish my wages. My credit report shows this account as closed, owning -. I contacted legal services and told to contact you.