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my wages have begun being garnished by Sallie Mae

Date: Sun, 05/15/2011 - 02:10
Submitted by ocanas_vanessa on Sun, 05/15/2011 - 02:10
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My wages have begun being garnished by Sallie Mae since Feb. 1 2011.I was never taken to court for the wage garnishment, the personnel dept. called me in to let me know of this change in my payroll status. Should I have had concerns about not being court ordered, I have never been through a situation such as this. I contacted General Revenue Services and began the rehabilitation program. I was told they would garnish 10% not 15% with a payment of $50. The amount would be $130 plus 50. Well the first wage garnish was $240 and I had given the $50. I did not fill the application for auto draft from my acct. for the additional $50 payment,my wages are still being garnished. I recieved a letter today from Allied Interstate, Slm corp had placed my acct with them my debt is $5499.55 and with general revenue it was $9413.91 Who do I contact first? In 9 months do I get out of default if my wages are garnished?


Well for starters, Sallie Mae is not garnishing you. Sounds like you defaulted on a federal loan and as such, sallie mae would have filed a default claim against you with you guarantor, No court order is required by federal law in this case,

I am assuming that they lowered the garnishment so you could rehab...however because you didnt do the auto draft, they are now going for the full amount of the garnishment. If you are not making voluntary payments every 30 days, you are not in rehab.

Not sure how allied comes into play...sounds like you may have a second loan. Look up your loan detail at nslds.gov


Submitted by SOAPLADY on Sun, 05/15/2011 - 02:50

SOAPLADY

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I did not fill out the app because I could not afford $240 plus 50. I was told by the rep that %15 would be $180 that is way less than the actual $240 that was actually deducted. I did not realize till now that the $50 was for rehab thanks, I did not know about having to make voluntary payment to be in rehab but now i do. So the loans are not collected together? I did take 2 out but this was back in 06' and do not recall. Thank you so very much


Submitted by ocanas_vanessa on Sun, 05/15/2011 - 03:02

ocanas_vanessa

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The auto draft was your voluntary payment. More than likely your failure to return it voided your agreement so the CA went for the entire 15% of disposable wages.

It is possible that your loans had different guarantors if you took them out at different times. You should have been receiving gobs of mail about the pending default and the actual default which would list the guarantor. It would have listed out your lender and guarantor. As I said before look up your loans on nslds or refer to the mail you have been receiving. It is possible they are being collected seperately.


Submitted by SOAPLADY on Sun, 05/15/2011 - 04:06

SOAPLADY

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