STUDENT LOAN!!!!
You should have said so in your first post....
You likely have a HUGE problem. The following is from the 'Federal Student Aid' website:
"As the agency responsible for administering the programs that provide this Federal loan financing, the U. S. Department of Education (ED) pursues collection of student loans aggressively through borrower contact, credit reporting, litigation, collection agencies and offset against Federal payments, such as Federal income tax refunds. ED also uses another tool for collection of defaulted student loans– garnishment of wages of defaulted borrowers. The Higher Education Act, (P.L 102-164; 20 U.S.C. § 1095a) authorizes ED as well as student loan guaranty agencies to collect defaulted Federally-financed student loans by means of an administrative order to the employer, and without the need for a court order. This order requires the employer to withhold and pay over to ED or the guarantor up to 10% of the debtor's disposable pay. This Federal law supersedes any state law governing wage garnishment."
http://www.ed.gov/offices/OSFAP/DCS/awg.employers.guide.html
You should have said so in your first post....
You likely have a HUGE problem. The following is from the 'Federal Student Aid' website:
"As the agency responsible for administering the programs that provide this Federal loan financing, the U. S. Department of Education (ED) pursues collection of student loans aggressively through borrower contact, credit reporting, litigation, collection agencies and offset against Federal payments, such as Federal income tax refunds. ED also uses another tool for collection of defaulted student loans– garnishment of wages of defaulted borrowers. The Higher Education Act, (P.L 102-164; 20 U.S.C. § 1095a) authorizes ED as well as student loan guaranty agencies to collect defaulted Federally-financed student loans by means of an administrative order to the employer, and without the need for a court order. This order requires the employer to withhold and pay over to ED or the guarantor up to 10% of the debtor's disposable pay. This Federal law supersedes any state law governing wage garnishment."
http://www.ed.gov/offices/OSFAP/DCS/awg.employers.guide.html