C.B.
First of all, I would ask my employer for a copy of the paperwork that they received to garnish the wages. Next, I would contact the credit bureaus and let them know you are disputing this debt. Then, I would write a very detailed letter to the collection agency and include in it documentation about your husband being in the Navy at the time. If there is a garnishment, there must be a judgment. You could try search court records and getting a copy of whatever was filed in court, look for proof of service that your husband was served, and contact a civil attorney to ask that the judgment be set aside. Good luck! This must be a true nightmare!