she does not think she ever had such a card but they are threatening to garnish her wages if she does not pay by this friday. If she did have the card she would have opened the account in nevada, she now lives in texas which has a no garishment rule. Would they still be able to garnish her wages? Don't they have to send her a notice of validation first before they do anything? Wouldn't there be a staute of limitations on something that old even if iit did exist? Thanks for your advise.