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I Have Not Paid My Student Loan Since 1988 And Now They Want Money

Question: Dear Steve, Went to a computer school in 1988, I got a 4600 student loan, which I didn’t pay but from 1991 until 2016 my income tax was taken, that stopped in 2016, Now I’ve received notice at my job that I owe 16,000 on my student loan. Soon after I finished the program … Read more

How Can I Stop a Social Security Garnishment After it Stared?

Question: Dear Steve, I receive ss disability due to having brain tumors. They are benign. But I have had to full brain surgeries & one round of radiation & I still have the tumors. I read your article about stopping the garnishment on social security checks & how it should be done when you get … Read more

Do I Really Have to Garnish My Employees Wages For This Student Loan?

Question: Dear Steve, I am an employer that has received a letter from Trellis Company instructing me to garnish wages for a student loan of an employee. It references federal law in giving them the authority to do this. However, there is no court order or anything else from a federal or state agency attached … Read more

I’m Profoundly Deaf, 73, and Getting My Social Security Garnished for Student Loan Debt

Question: Dear Steve, I am age 73 and disabled and also profoundly deaf. I can NOT understand people when they speak to me. I can NOT even use a phone. My social security disability payments have been garnished by the U.S. Dept of Education. I WAS receiving $920/month. I am NOW receiving $782/ month. I … Read more

Why Can’t I Get Out of My Student Loan Wage Garnishment so I Can Consolidate?

Question: Dear Steve, Student loans, two carriers and both in garnishment taking 25% of my check is killing me, but they will not allow me to consolidate. I read your article about student loan rehab. Mine are in garnishment, I have applied and been approved to consolidate with SOFI and one other but the two … Read more

I Just Got a Second Federal Student Loan Garnishment

Question: Dear Steve, I, apparently like many, could not make the minimum payments required by the department of education, well apprently I can since they’re hitting me with two garnishments at the same time for a whopping 25% of my gross (combined not a piece). I was going to dispute the second one, but I … Read more

I’m Being Garnished for Student Loans My Grandmother Paid Off

Question: Dear Steve, I got behind on my student loans several years ago. My grandmother was a co-signer. She ended up paying my loans off in June of 2007. My credit report also shows this. However, the Dept. of Education is stating that I still owe this debt. They are now garnishing my wages for … Read more

I’m Making Rehabilitation Payments But Need to Appeal My Student Loan Wage Garnishment

Question: Dear Steve, I have student loans and have entered a rehabilitation program. The company that I have entered into the rehabilitation program with has all my student loans. I have confirmed this with myeddebt. I have not missed a payment, in fact I have been early. Then all of the sudden my check was … Read more

I Rehabbed My Loans But I’m Now Being Garnished?

Question: Dear Steve, Massive. school student loan debt. they are all federal loans. I had rehab the loans three years ago. Then applied for forbearance in 2015 as I was between jobs. I am back to work, I received a noticed that my wages are being garnished. Not sure how but apparently the forbearance was … Read more

Can I Get My Stolen Student Loan Wage Garnishments Back?

Question: Dear Steve, I have a defaulted student loan that was subject to wage garnishments. After several months of $400/month being taken out of my checks beyond my control, I was finally informed that 1099 employees are not subject to wage garnishments and that they would stop forcing my employer to cut my checks. However, … Read more

Lip Smacking, Joke Cracking Guide to Stopping Federal Student Loan Wage Garnishments

Question: Dear Steve, I have a defaulted student loan from education at the University of California (education finished in 1994). My employer was just sent a set of papers, dated November 2, 2016, from FMS Investment Corp. — creditor agency for the U.S. Department of Education — to garnish my wages. I had never received … Read more

What Happens to My Wage Garnishment and Tax Refunds and My Student Loan?

Question: Dear Steve, Defaulted student loans, going through wage garnishments and tax offsets. My main question that I can’t seem to get an answer to, of I enter into direct consolidation, what happen to the money that’s already been garnished? Does it just get lost to whoever the debt was sold to? Let’s say my … Read more

Can My AmeriCorps Award Stop My Student Loan Wage Garnishment?

Question: Dear Steve, I have a loan that is currently up for wage garnishment by Texas Guaranteed. I just started a new job, my first salaried position and my HR just alerted me that they have asked to garnish my check and they already took my tax refund. I have an AmeriCorps Segal Education award … Read more

New Administrative Wage Garnishment Procedures, Rules, and Comments

This is going to be a really boring post on Administrative Wage Garnishment Procedures. It’s an important issue though because many people with defaulted federal student loan debt are surprised when their wages are garnished. However, there are options. The new rules out today will help described all the choices people have to attempt to … Read more