Hello and and thank you for your question. For over 34 years, I have answered questions just like yours. And I look forward to assisting you.
yes the burden is on you to be able to substantiate that you do not owe the money. But you do have a remedy. You can go retain a consumer law attorney who will file an action demanding that the creditor provide your entire file including a payment ledger. Note, this is not something you can do yourself and will be worth the money you pay for attorney fees. Likewise, if you do nothing, the government wins and will continue to deduct from your checks.
Don't I have a right to their accounting under the law. Isn't there some Freedom to Information Act that allows me the right to my complete file including the ledger of payments. GF