I didn't realize it was this loan that was defaulted and with a collector until they sent me this garnishment notice and then sent me info on where it came from 1 month ago. Up until now I've only been contacted by Phoenix about the $1300 I owed them. If I was previously contacted by the collector I must have overlooked it because I didn't recognize the mail. I know I was never contacted by the DofE directly before this went to collections. I would have responded to that.Did you ever apply for loan forgiveness?