[–] [deleted] 0 points 4 points 4 points (+4|-0) ago
[–] middle_path 0 points 1 point 1 point (+1|-0) ago
^ right here. I pay my loans like a good goy every month on time. Wife and I lose about half our income to this, but it's better than the alternative.
[–] Awisegrasshopper 0 points 3 points 3 points (+3|-0) ago
If your employer will allow it, you can quit and be rehired. This will force a new garnishment order to be filed and may give you a chance to get to court and fight the garnishment. . But they often sue from different states then you reside in, depends on the state laws.
[–] ScottRockview 0 points 2 points 2 points (+2|-0) ago (edited ago)
Are you in default? If not send them a letter along with 12 post dated checks for the amount you are willing to pay and state in your letter. Could be $20 per Check, just indicate it is all you can pay and when you have the means yo you will pay more. Will your credit score take a hit? Yes, but if your goal is to avoid bankruptcy, this is one way to do it. Not for everybody, but if you're hard up and need a way out, this MIGHT work depending on the laws in your area.
Edit...Are you in the states and is the debt 100% student loans?
[–] Antiseed117 [S] 0 points 1 point 1 point (+1|-0) ago
The debt is down to about 50% remaining. And yes in PA. Student loans originated in Va.
[–] ScottRockview 0 points 1 point 1 point (+1|-0) ago (edited ago)
Have you already defaulted on the loan and this is the reason they are garnishing your wages? Have they gotten a court order to do so?
[–] SkinnyMagna 0 points 1 point 1 point (+1|-0) ago
Take your degree to another country.
[–] Antiseed117 [S] ago
I'm bad with sarcasm. It's an automotive degree so I guess I could take that advice. Or I could just kick my grandad in the balls.
[–] sunshine702 ago
It kind of depends on WHO is garnishing and why? A private party? Push the I am so poor and take this one lump sum or nothing approach.
Corporate? Agreed. Leave USA for a bit. They will to refile and find you.
[–] Antiseed117 [S] 1 point 2 points 3 points (+3|-1) ago
Fuckers also took my full tax income as to be expected. Willing to bet 99% of that went into their pockets.
[–] Rellik88 0 points 1 point 1 point (+1|-0) ago (edited ago)
Yep same here, used to take wifes return as well because of my loans. However getting a better paying job as an independant contractor. So I can at least skip my garnishment. Also my tax person worked some mojo so we keep our returns now.
I got loans gor about $8k, because of interest I owe like $50k+... Yay
[–] ScreaminMime 0 points 1 point 1 point (+1|-0) ago
Same thing happened to me, there is a form that you can fill out to get the return if you've filed jointly.
The best way out is to get that thing paid off ASAP, get a second job if need be.