How do I write a letter of appeal to wage garnishment for repayment of student loans?

Question

Specifically I need a format and wording to use. I was informed in writing that my wages would be garnished for failure to repay student loans. I am filing an appeal citing the fact that 15% garnishment of my income would lead to financial hardship for my family. But I have no idea where to start to write the appeal.

Thanks in Advance!

Answer 1

To be honest with you, The U.S. Department of Education or any other student loan agency doesn't care. As long as you are making money, they can take a little from your check to pay back the loan. They will get the money one way or another. I honestly think appealing will not solve this problem. You may need to consolidate those student loans and PAY them each month. Advise them what you make and your financial hardship and maybe they will work with you on your monthly payment. If you decide to consolidate and still find it hard to pay you need to sat something up for a forebearance or deferment. By consolidating, this will help improve your already ruined credit.
Check with a company that consolidates defaulted loans (William D. Ford is a good one).

Answer 2

The KEY thing to realize here is that student loans MUST be repaid regardless. Years and years ago, there was a flood of students who didn't have to repay, so they just didn't. As a result, the laws were changed to where you have no choice but to repay.

And if you don't have the money available, they can and will garnish your wages. And FYI, they'll send a letter directly to the employer so they know how much to deduct from your paycheck automatically.

Now you can appeal the garnishment amount, but you won't get out of repaying the money you owe. My advice, state your case as honestly and sincerely as you can. You need to show exactly how that 15% creates a financial hardship.

You start by explaining your willingness to repay the money you owe, which shows that you're not shirking your financial responsibility. You then need to provide financial details as to your family income and expenses. A budget really helps here. If there's an illness, loss of employment, etc., this also needs to be in there.

But be aware that the odds are against you. Doesn't mean they won't lower the garnishment amount, but it's definitely an uphill battle.

For example, if you have car payments that are really hurting you, they might say sell the car and take the bus instead. Either way, it can't hurt to try.

Answer 3

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Answer 4

There might be a loop hole. I do not know this for a fact but have heard that if you don't get a job "in your field," you may be able to delay making repayments. For instance, if you got a law degree and you are working as a pizza delivery boy because you can't get hired as an attorney ...
As far as the appeal, I don't know that there's a set wording or format. Here's what I would suggest, be specific about everything in the letter and be sure to offer some repayment. For example, you might state your hardship case, then say what amount would be reasonable for you to pay at this time, and then say what period of time you would need before you could begin to repay at the rate they are seeking. Be very respectful, and state that you genuinely want to repay. Before sending the letter, make a phone call to ask what person, by name, should receive an appeal letter asking for a review of your case. Try to speak to that person, if possible, and tell them you are sending a letter with the details and hope they can take a few minutes to review your case. Thank them in advance for anything they can do to get it reviewed.
Unfortunately, although I don't know your personal details, I don't think there's a whole lot of chance they won't garnish you. I used to have an employee who was a single father of a toddler, was going through chemotherapy for cancer, had to move back in with his parents and was in a low-paying job that wasn't in his degree field, and they contacted me to garnish him. He was unable to get them to delay it. Best of luck though.

Answer 5

Contact the person that is taking you to court most of the time they really don't want to go to court or attach wages you can call them and set up some kind of payment plan most of the time a phone call is all you need to do but do it before the deadline thats the date theywill start the attachment. But if you miss one paymebnt they will inforce the attachment there will be nothing you can do at that point

Answer 6

I looked across the web and came upon loads of scams. After all this site was usefull for us: loaninstantsolutions.us-

RE How do I write a letter of appeal to wage garnishment for repayment of student loans?

Specifically I need a format and wording to use. I was informed in writing that my wages would be garnished for failure to repay student loans. I am filing an appeal citing the fact that 15% garnishment of my income would lead to financial hardship for my family. But I have no idea where to start to write the appeal.

Thanks in Advance!

Answer 7

Waiting on more answers before I share my view

Answer 8

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