How can aafes offset your husband's tax refund for something you did when you did not have an income?

i need help with this also... paid my account in full 3000+ dollars in debt with them and now they are taking 1400 more from this refund.... im at a loss and looking for lawyers or other vets that can help. they told me i was free and clear now a year later im paying more penalties and fees from a paid in full account i call BLUFF and have folded my cards on the table i have no other option but to keep paying the "penalties and fees" that this collection agency is now harrassing me about