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My BK was discharged in Feb 19, I just got a letter from work saying my student loan is garnishing my wages. Will this show up on my credit report? How do I get this out of garnishment?
@brad0502 wrote:My BK was discharged in Feb 19, I just got a letter from work saying my student loan is garnishing my wages. Will this show up on my credit report? How do I get this out of garnishment?
As you know student loans are not dischargeable. Did you miss a court date or a summons to show up in court? There had to be some kind of communication before the garnishment of some sort. Even the IRS will warn you when they will start garnishing your assests, bank accounts, and payroll.
There may have been a letter, if this shows on my credit report I’m totally screwed
Why would you be screwed any more than you BK and all you lates screwed you?
Was there a court hearing and court order?
If so, was it before or after you BK file and discharge dates?
DON'T WORK FOR CREDIT CARDS ... MAKE CREDIT CARDS WORK FOR YOU!
In response to. . .
“Did you miss a court date or a summons to show up in court? There had to be some kind of communication before the garnishment of some sort.”
and
“Was there a court hearing and court order?”
For Federal Student Loans, a typical Court Order is not required but notice is required for an administrative garnishment.
See:
20 U.S.C. §1095(a)
“Notwithstanding any provision of State law, a guaranty agency, or the Secretary in the case of loans made, insured or guaranteed under this subchapter that are held by the Secretary, may garnish the disposable pay of an individual to collect the amount owed by the individual, if he or she is not currently making required repayment. . .
(1) the amount deducted for any pay period may not exceed 15 percent of disposable pay, except that a greater percentage may be deducted with the written consent of the individual involved;
(2) the individual shall be provided written notice, sent by mail to the individual’s last known address, a minimum of 30 days prior to the initiation of proceedings. . .”
Des.
@despritfreya wrote:In response to. . .
“Did you miss a court date or a summons to show up in court? There had to be some kind of communication before the garnishment of some sort.”
and
“Was there a court hearing and court order?”
For Federal Student Loans, a typical Court Order is not required but notice is required for an administrative garnishment.
See:
20 U.S.C. §1095(a)
“Notwithstanding any provision of State law, a guaranty agency, or the Secretary in the case of loans made, insured or guaranteed under this subchapter that are held by the Secretary, may garnish the disposable pay of an individual to collect the amount owed by the individual, if he or she is not currently making required repayment. . .
(1) the amount deducted for any pay period may not exceed 15 percent of disposable pay, except that a greater percentage may be deducted with the written consent of the individual involved;
(2) the individual shall be provided written notice, sent by mail to the individual’s last known address, a minimum of 30 days prior to the initiation of proceedings. . .”
Des.
Isnt this the same thing as I asked? Not much difference I'd say. I asked if they got a notice. You say its required. But once again you have to use my posts to point irregularities when there really isnt much differences at all.. Please stop. Lets help the poster in a team effort. Thats what were here for.
Me: “Did you miss a court date or a summons to show up in court? There had to be some kind of communication before the garnishment of some sort.”
You: "For Federal Student Loans, a typical Court Order is not required but notice is required for an administrative garnishment."
@FireMedic1
Sorry you seem to think I am patronizing you. Not my intent. Just pointing out that there is actually a Statute that supports your comment. Too bad you did not take it as the complement it was meant to be.
Des.
@despritfreyaand @FireMedic1 you both have brought out information of significance. Your posts are most appreciated! In reading it may appear that we have differences in the information when in fact one was an extension on the other. After further research, we want to alert the readers that it is all right to have different views and opinions. When this happens, please feel free to ask questions of the posters so that there is clarity in the understanding. Some of the subjects in this particular area are a direct affect on our lives and we need good advice going forward so we can better live with the outcome.
@Anonymous , always appreciate your inputs regarding anything SL's, thank you!