No court judgment is needed before the wage garnishment payment is collected, and up to fifteen percent of your disposable wages can be garnished, however, you are entitled to thirty times the minimum wage, which is $7.25 per hour.

You are allowed to contest a garnishment based on your income, employment status, and other reasons. It is important that you contest your garnishment as quickly as possible, which will increase your chances of successfully contesting the garnishment against you.

Once you receive your garnishment notice against you, you have 30 days before the garnishment begins. You are then notified of the request for a hearing where you can present evidence and give reasons why the garnishment should not be allowed against you. By successfully requesting a hearing within the thirty-day notice period, your garnishment is placed on hold. However, if you have exceeded the thirty day limit, the garnishment will be considered and terminated if you win the hearing.

You must have a valid reason why the lien against you is not valid in order to request a hearing. Reasons for requesting a hearing include but are not limited to; In effect, you have repaid the loan by garnishment and do not owe any money. He was involuntarily released from his last job and has had a steady job for less than twelve months. He is in the process of repaying his loan under a repayment agreement. , or has declared bankruptcy.

It is important that the Department of Education or a guaranty agency notify you before wage garnishment begins on your student loans, otherwise you can use that as grounds to appeal your garnishment. You must also be offered the option to contest the garnishment or the amount of the wage garnishment or the terms of the reimbursement schedule for the garnishment to take place.

If you are concerned or concerned that you may be at risk of wage garnishment, it is important that you contact your lender or a student loan help center. Either one can provide you with useful information.

There is no quick fix to paying off your student debt, but student loan forgiveness programs can help. By using student loan forgiveness programs, you’ll be on your way to paying off your student loans at your own pace. For more helpful tips and information on paying off your student loans, check back often on our blog.