I am going through student loan hell. Trying to consolidate loans and running into walls (repeatedly). I am getting overwhelmed.
Can a debt collector garnish my wage without a judgment?
I am trying to consolidate a loan that has defaulted. It defaulted while in consolidation proceedings. The debt is now owned by PHEAA, a collection agency. Now I'm trying to roll PHEA into the consolidation. PHEAA says they are going to deny my consolidation and issue a wage garnishment. I've checked my credit report and there is no judgement against me.