Due to COVID-19, all consultations will take place via video, phone, or email. Please don’t hesitate to call or submit a contact form to set up an appointment. Thank you and stay safe.

Administrative Wage Garnishment Resolution

Our Attorneys Can Help With Student Loan Defaults

Amongst the most misunderstood concepts of student loan default is the Administrative Wage Garnishment (AWG). Through the use of various financial strategies, our legal team can help you avoid administrative wage garnishment and resolve your student loan defaults. Our central goal is to help you obtain good standing and get back on track for a solid financial future. We have ample experience working with clients dealing with mounting student debt, and we want to help you, too.

About Administrative Wage Garnishment

A wage garnishment is the involuntary deducting of money from an employee's wages to repay a debt. Usually, a wage garnishment cannot take place unless a creditor files a lawsuit and obtains a judgment against the person who owes the debt.

This is not the case with an Administrative Wage Garnishment. Here are some facts about AWG:

  • If you default on your federal student loan(s), the government can commence an AWG without a lawsuit or a judgment from a court.
  • The government can typically take 15% of your disposable pay, per pay period, towards the repayment of your defaulted student loan(s).
  • The government must send a notice 30 days prior to ordering a wage garnishment, which gives the borrower an opportunity to either enter into a voluntary payment arrangement or object to the garnishment (if a legal defense applies) and request a hearing.
  • If an AWG has already begun and no legal defenses apply, then by entering into a Rehabilitation Agreement and making five rehabilitation payments, the garnishment will be suspended.

How To Avoid an AWG

The best way to avoid an AWG is to avoid default of your federal student loans in the first place. If it appears that you will not be able to keep up with your federal student loan payments or if you just started missing your payments, be proactive. There are a number of repayment options that are based on a borrower's income. Switching your repayment plan to one of those plans can avoid an imminent default.

If you already are in default of your federal student loans, there are many opportunities to get out of default, before an AWG begins. Most borrowers in default have the opportunity to get out of default by consolidating their federal student loans and then immediately selecting one of the aforementioned income-based repayment plans.

Our Florida Attorneys Are Here To Help

If you or someone you know are faced with an AWG of your federal student loan(s), want to avoid an AWG before it happens, or are simply overwhelmed by student loan debt, allow us to demystify your student loans and put you back in control. Please keep in mind that every student loan matter is different.

Specialized Experts The Small Business Reorganization Act Chapter 11

The often times difficult Chapter 11 bankruptcy that traditionally favored larger companies is now available for small businesses through The Small Business Reorganization Act. Allows us to help you build a comprehensive strategy to navigate the process with the help our recognized team.

Real Client Experiences

  • “A very professional law firm with knowledgeable practitioners.”

    - Laura L.

  • “At all times he was caring and compassionate to me and my family.”

    - Former Client

  • “Great service and follow up.”

    - Robert Z.

/

Are You Ready for a Brighter Future?

Contact us 
for a free 
consultation.
  • Please enter your first name.
  • Please enter your last name.
  • Please enter your phone number.
    This isn't a valid phone number.
  • Please enter your email address.
    This isn't a valid email address.
  • Please make a selection.
  • Please enter a message.