Wage garnishment related to student loans...has this happened to anyone? - page 5
by RNewbie 15,147 Views | 44 Comments
I received an email from my employer today stating that my wages will be garnished. I will no longer receive any pay. I tried to contact them, but the offices are closed for today and I'm going crazy. The form that my employer... Read More
- 1Jul 3, '12 by JoryYou need to see an attorney and I'll tell you why.
Nobody can garnish your wages without a court order. That means the company that sought to garnish your wages, filed a judgment, there was a court date, you were sent notices of the court date and when you did not show, the court awarded the garnishment.
That is how it worked.
This is also why you need to make sure that the student loan company ALWAYS has your current address. So many students move and don't inform their student loan company...and this is what happens. If your loan gets sold, they cannot reach you.
When your loans were deferred, they were deferred for a certain number of months, typically 6...they gave you date of when the deferment would end, so it was up to you to keep up with it.
HR, has to give you the name of the company that is garnishing your wages....my advice is to call them found out under whose authority was granted, and trace it back from there.
My guess is that your loan was sold and they could not reach you to tell you that it was sold, therefore, you were sending your payments to the wrong place.
- 0Jul 7, '12 by sauconyrunnerBy now you may have figured something out, but when I graduated, I had a number of different loans as well...I called the company and asked if they could consolidate them all together. The company did it directly for me and because I did that they gave me a (extremely small) decrease in the interest rate. It helped.