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Too late to rehab my fed student loans w/ wage garnish?





Sub: Too late to rehab my fed student loans w/ wage garnish?
Fri, 04/02/2011 16:58

I have 30k in defaulted federal student loans. My wages started getting garnished today and I already filed my federal and state tax returns. The state returns were direct deposited last night and my federal returns are due for deposit next Friday.

Should I worry about having my federal returns garnished?
Is it too late to avoid this by rehabilitating my loan?



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Sub: #1 Do you have proof that the schools actually paid on the perkins Fri, 02/04/2011 - 16:58



Do you have proof that the schools actually paid on the perkins loans? My understanding of Perkins cancellation ...

Applying for Teacher Cancellation

You must request the appropriate forms from the office that administers the Federal Perkins Loan program at the school that holds your loan. You must also provide any documentation the school requests to show that you qualify for cancellation. It is the school’s responsibility to determine whether you qualify, and the school’s decision cannot be appealed to the U.S. Department of Education. Schools may not cancel any portion of a loan for teaching services you performed either before the date the loan was disbursed or during the enrollment period covered by the loan.


I believe that just "going on with your life" was your downfall. Was the loan cancellation confirmed thru your school? I worked at a qualifying elementary school and the teachers there received statements each year, plus they had to defer or forebear their loans during the employment period. Loan cancellation only pays out one time a year and if your loan was not in the correct status, it would have defaulted within the first year, possibly prior to the loan payout, negating your cancellation. Did they give you any indication when your loan defaulted?

How to Deal with Illegal Loans..OhioGal's Primer
http://www.debtconsolidationcare.com...allenders.html
PDL's are ILLEGAL in the following states...
AR, AZ, CT, GA, ME, MD, MA, NJ, NY, NC, PA, VT AND DC
OH AND NH have very restrictive low cost interest rate laws.

SOL for all states
http://www.debtconsolidationcare.com...imitation.html


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Sub: #2 Wage Garnishment of a forgivable loanFri, 02/04/2011 - 16:15



I took out a Federal Perkins loan in the late 80's for $2800. I subsequently went to grad school and graduated in 1993. I worked from 1993-1999 in public service at a non profit specifically identified in the Perkins loan agreement i signed. I submitted forms to my school verifying that employment and went on with my life. Last November I started getting Wage Garnishment Notifications from the Dept. of Education. I wrote to them explaining I had paid the Perkins loan through employment. They wanted proof from my school. The school does not keep records back that far. Someone suggested I get proof from my employers, I furnished the Dept. of Ed with letters from the non profits verifiying my employment and asking for a hearing. Nothing. My wages are being garnished at $650/month, this in addition to the $300/month I have been paying on legitimate students loans since 2003. I fulfilled the terms of the loan agreement. Now the Dept. is garnishing my wages and not accepting documentation I have that can prove I fulfilled the loan agreemtn thru employment, including IRS W2 forms. They also tell me I have exhausted all appeals, even though I requested a hearing (in writing, prior to garnishment and again afterwards) and never had one. I attempted to consolidate my current loan with this Perkins just to stop the garnishment but was told by Federal Direct I cannot consolidate a loan in garnishment!!!!! What am I supposed to do?


Sub: #3 How do I respond to the initial notice of intent to place loans Wed, 09/16/2009 - 21:34



How do I respond to the initial notice of intent to place loans in default and will they notify me prior to any further action such as garnishments, what can i do at this point, I have been making biweekly payments (nothing even close to what they were asking) but still I was making an attempt. How do I use this website to post my own post..thanks


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Sub: #4 Once the 30 days has past, a letter is sent to your employer. Fri, 09/11/2009 - 03:50



Once the 30 days has past, a letter is sent to your employer. Depending on what agency is administering the garnishment, there can be a delay during this period depending on when they send the garnishment letter and when it arrives in regards to your payroll cycle.

Why didnt you respond during the 30 days? At this point, you can appeal but your appeal will go to the bottom of the pile. The agency works on the appeals filed within the 30 day window first...when time allows they get to the non 30 day appeals. Unless you have well documented hardship, the garnishment will not stop.

How to Deal with Illegal Loans..OhioGal's Primer
http://www.debtconsolidationcare.com...allenders.html
PDL's are ILLEGAL in the following states...
AR, AZ, CT, GA, ME, MD, MA, NJ, NY, NC, PA, VT AND DC
OH AND NH have very restrictive low cost interest rate laws.

SOL for all states
http://www.debtconsolidationcare.com...imitation.html


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Sub: #5 I found out today my wages are going to be garnished. My thirtyThu, 09/10/2009 - 22:28



I found out today my wages are going to be garnished. My thirty days has passed, but garnishment has NOT started. Is there anything I can do to stop garnishment?


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Sub: #6 For federal loans you are given the opportunity to appeal the gaThu, 07/09/2009 - 11:40



For federal loans you are given the opportunity to appeal the garnishment on a hardship basis before it starts.They sent out a 30 day intent to garnish and that is your opportunity to object

How to Deal with Illegal Loans..OhioGal's Primer
http://www.debtconsolidationcare.com...allenders.html
PDL's are ILLEGAL in the following states...
AR, AZ, CT, GA, ME, MD, MA, NJ, NY, NC, PA, VT AND DC
OH AND NH have very restrictive low cost interest rate laws.

SOL for all states
http://www.debtconsolidationcare.com...imitation.html


SOAPLADY
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Debt Samaritan
Posts: 17093
Credits: 376486.34553311 Send message to SOAPLADY

Sub: #7 For federal loans you are given the opportunity to appeal the gaThu, 07/09/2009 - 11:40



For federal loans you are given the opportunity to appeal the garnishment on a hardship basis before it starts.They sent out a 30 day intent to garnish and that is your opportunity to object

How to Deal with Illegal Loans..OhioGal's Primer
http://www.debtconsolidationcare.com...allenders.html
PDL's are ILLEGAL in the following states...
AR, AZ, CT, GA, ME, MD, MA, NJ, NY, NC, PA, VT AND DC
OH AND NH have very restrictive low cost interest rate laws.

SOL for all states
http://www.debtconsolidationcare.com...imitation.html


Unregistered

Sub: #8 is it true that once ur wages are bening garnish that and its toThu, 07/09/2009 - 08:57



is it true that once ur wages are bening garnish that and its to much to afford that there is nothing u can do about it. that the collection agency will garnish u to the whole debt is paid


Unregistered

Sub: #9 my wages are already being garnished and it is entirely to much Thu, 07/09/2009 - 08:53



my wages are already being garnished and it is entirely to much for me to afford. Can i still apply for hardship deferment.


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Debt Samaritan
Posts: 17093
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Sub: #10 Is this a federal loan or a private loan? Federal loans take thTue, 05/19/2009 - 09:10



Is this a federal loan or a private loan? Federal loans take the money directly out of the check...a private loan would have a judgeent against you and would seize the whole bank account. I dont know who this assistant is but federal loans in default can and do garnish federal payments. There also is no deferment for a defaulted loan.

How to Deal with Illegal Loans..OhioGal's Primer
http://www.debtconsolidationcare.com...allenders.html
PDL's are ILLEGAL in the following states...
AR, AZ, CT, GA, ME, MD, MA, NJ, NY, NC, PA, VT AND DC
OH AND NH have very restrictive low cost interest rate laws.

SOL for all states
http://www.debtconsolidationcare.com...imitation.html


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