Looking for someone with a hint as to how these jewy bastards can be made satisfied.
Is it as simple as calling the collector and setting up a minimum? Are there different channels? How can these cocksuckers take almost 1/4 of my check after stating via mail that they would only take 15% tops.
I'm livid that these fuckers eat people up on student loans and sleep well afterwards.
Any advice would be hot, thanks.
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[–] [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.
[–] Baconmon 0 points 3 points 3 points (+3|-0) ago
Tell your employer to pay you in bitcoin
[–] 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.
[–] 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.
[–] lemon11 0 points 1 point 1 point (+1|-0) ago
If they're not following the agreement, you may be able to get an injunction on them. But no idea how much that would cost in lawyers' fees. You could explain to your employer and arrange payment that can't be intercepted for more than the legal amount. It's possible some organization like the Institute for Justice could advise for cheap or free. It never hurts to ask.
[–] [deleted] 0 points 3 points 3 points (+3|-0) ago
[–] lemon11 1 point 1 point 2 points (+2|-1) ago
But it sounds like the debt collector is breaking an agreement, as they're wont to do. That makes it impossible to effectively plan finances. Garnishment itself is the punishment or fee for whatever happened before, and they're abusing that.
[–] sinclair ago (edited ago)
Student loans can be put into deferment or forebearance; they are a secure debt.