I'm getting calls from someone who wants to charge me fees to get my federal loan out of default.
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This is a scam. The first thing you should do is contact the Default Resolution Group for help.
Are they asking you to pay for enrollment or maintenance fees?
Yes, they are asking for maintenance fees.
Okay. The best thing to do is ignore them when they try to contact you. If you are in need of real help with your defaulted loan, the Default Resolution Group can help you for free.
Where can I go to learn more about protecting myself from these types of scams?
You should take a look at our blog post titled, "Don't Be Fooled: You Never Have to Pay for Student Loan Help".
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Thank you. I'm afraid that my defaulted student loan will cause my wages to be garnished. How can I avoid this.
One way you can avoid garnishment is to make a request for a hearing.
I lost my job last year and have just stared a new job 2 months ago. Will my wages still be garnished?
This is definitely something that you should bring up at the hearing. Since you have been employed for less than 12 months after having previously been involuntarily separated from your employment, it may be ruled that your wages cannot be garnished at this time.
What rights do I have with garnishment?
Your rights include being sent a notice that explains ED's intention to garnish your wages in 30 days, the amount of your debt, and your right to inspect and copy any records relating to the debt. You also have the right to object garnishment and can avoid garnishment by voluntarily repayment.
