To stop wage garnishments for student loans, look at the paperwork closely and try to request a hearing regarding the garnishments, recommends NOLO. Some creditors also accept voluntary payments in lieu of garnishing wages.
The creditor of the student loan usually sends a notice before garnishing wages, which gives the individual a chance to prevent the garnishments, notes NOLO. There are some factors that allow the debtor to avoid wage garnishment, including her employment status, income and how the garnishment was handled. It is recommended that the debtor begin responding to the garnishment as soon as possible.
The only time garnishment occurs for student loans is if there is a default on the loans, says NOLO. This is often because the debtor has stopped making payment on the loans. This usually means it has been longer than 270 days since a payment has been received. There are different default rules depending on the type of loan. The documents sent to the debtor specify how much money is going to be garnished from her paychecks until the loan has been paid off.
The notification also gives information on how to object to the garnishment, including how to request a hearing and whether or not a repayment plan is being offered, according to NOLO. The debtor should read this thoroughly to look at her options. If there is a hearing, this occurs within 30 days following the notice. It needs to be requested within 15 days.