When you assume a loan, you sign the same thing as a promissory note - the assumption agreement. It would help to understand more about the financial details, but you could be at risk of losing a lot more than just your tax refund. If a lot of money is at stake, you ought to be consulting with a bankruptcy lawyer with lots of experience with USDA/farm issues. Hope this perspective helps!
The loan documents will govern the relationship between the lender andborrower. Generally, a lender my seek and judgment against the borrower and then garnish wages/accounts as a result of that judgment. They would not be allowed to garnish from a non-borrower. I think there is more to this story. I recommend you talk with an attorney about your situation and be prepared to show them the USDA loan documents.
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