CA going to garnish my wages for federal student l

They can garnish 15% of your disposable income without a court order.

How much do you owe?

Well... I guess somebody deleted my post. I will like to post it again. And if the post gets deleted again then I can re-post it again and again!

CA can garnish your wages if they get a judgment against you from the court. The law also provides that they must send a written notice to you at your last known address 30-days before issuing a garnishment order to your employer. Apart from this, you'll also be given an opportunity for a hearing before the administrative law judge. You will also be given an opportunity to review your student loan records. Apart from this, you'll be given an opportunity to enter into a payment plan instead of the garnishment.

NO.. Federal loans do NOT require a judgment to garnish. It is called admin wage garnishment.

Got it, Soaplady... :-) However, if I understand it correctly, it is the CA who is trying to collect the debt and not the Federal agency. So, in this case, isn't the collection agency needs to get a judgment against the borrower? Or is admin wage garnishment valid in case of CA as well?

The CA administers the wage garnishment on behalf of the guarantey agency.

So, if I understand you correctly, the CA, on behalf of the [FONT=ARIAL, HELVETICA][SIZE=2]Guarantee Agencies, can go for [/SIZE][/FONT]admin wage garnishment and they can garnish wages without court orders. Thanks for the clarification :-)

However, if you could please show us a reliable website, preferably a government website, where it is mentioned, then it will not only help me in updating my knowledge about student loans but will help the other members as well.

How about reading the sticky section? I spent a lot of time putting together the information in there......

Well... thanks for the links that you've given in the sticky section. I went through the link that you've mentioned in the Administrative Wage Government Rules section. However, it is no where written in the link that the "CA administers the wage garnishment on behalf of the guaranty agency". However, it is written that ED goes for the process of admin wage garnishments. However, ED uses contractors to assist in the garnishment process. As far as I know, debt collectors are never referred to as contractors. Can you please let me know if debt collectors are referred to as contractors in case of student loans?

Collection agencies are hired under contract....thus they are contractors.

Thanks a lot :-)