I owed $52,000.00 (alot of interest)after garnishment I now owe $26,000.00 that has gone to a collection agency (NCO). I am now paying $256 monthly and I can’t buy a home (or rent a home in a good neighborhood) purchase a good vehicle because AES is still on my credit report ( i am being turned down when I apply for anything). Thank GOD I live 4 blocks from my job because I am a middleclass American walking to work!