wage garnishment

Understanding Wage Garnishment

Why are your wages being garnished? For most people the garnishment is the result of an Administrative Wage Garnishment Order.


If you are in default, your federal student loan holder (whether the Department of Education or a guaranty agency) can order your employer to withhold up to 15 percent of your disposable wages. This is called Administrative Wage Garnishment because no court judgment is needed.


Your loan holder/collector will send you a notice of proposed garnishment at your last known address.


You have 30 days from the date of the notice to object to garnishment.

To object you must object in writing and request a hearing.


If you object after the 30-day period, garnishment will be initiated but your objection will be considered and a decision issued usually within 60 days of the day your hearing request is received.


Suffering through administrative wage garnishment just doesn’t make sense. There are defenses to administrative wage garnishment and ways out.


Why suffer through embarrassment with your employer, ruined credit, and forced student loan payments?


You can stop the garnishments, get out of default, benefit from income based repayment plans, and maybe even qualify for loan forgiveness.


If your wages are being garnished or you have received a notice of proposed garnishment and you need help, call me for a free initial consultation: (904) 419-9858. 


The less likely reason that your wages are being garnished, is that a judgment and garnishment order have been issued against you by a Court. If this is the situation, call for a free initial consultation (904) 419-9858.

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