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My employer got a letter from a student loan that I never signed for. This letter is telling them I owe two thousand and something dollars and that they need to garnish 15% of my wage each month and send it to their credit corporation. They don’t have a court order and they didn’t send the letter in certified mail. The loan was apparently originally from Sallie Mae and taken out in 2006 this loan then got sold to US Funds. US fund hired Van Ru Credit corporation to extract the debt. How can I prove I didn’t sign up for this loan and how can I stop them from garnishing my wages? Do they have the right to do this without a court order? Should I request a validation of the debt? Please help me!