If they have not complied with the Fair Debt Collection Practices Act in providing proof required under that act, then you would need to file suit against them because they will file for garnishment and then you will still have to file suit against them to get the garnishment removed. It is best to file your suit under the FDCPA and seek your attorney's fees and up to $1000 for each violation of the act they have committed. It is pretty hard for you or anyone to prove a negative (that you did not attend school there or did not have the loans) but if you have any evidence at all you need to send them copies to prove that you did not owe the money. If it goes to court and if they cannot prove the debt, they cannot win.
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