How to Stop Garnishment on Student Loans

I had a federal student loan in default & have been making payments since Jan 2012, the last 3 months an additional payment has been taken from my SSDI check. When I call the treasury offset number it says I have 3 offsets (last week it changed because it ALSo said 1 debt but now doesn't) Dept of Ed nor Treasury nor collection agency seems to give me any help. I want to file income taxes to GET refund... Does it just take along time for Offset # to update I am in the clear? ...so lost

I came across your website while doing an internet search involving offset of my tax refund by mistake and am wondering what I can do. In 2010, my 2009 taxes were offset because of a defaulted student loan. I was never notified in advance. I contacted the Department of Education in April 2011 who set up a payment plan for me and informed me that if I made 9 consecutive payments, my loan would be rehabilitated and then my taxes would no longer be offset. I was expecting a large return in 2010 and put off filing until my loan was rehabbed. From April - September 2011, I received monthly bills from the DOE that I paid on-time. I did not receive bills in Oct, Nov & Dec and called each month and made my payment. I was told at that time that the DOE was having system issues and bills were not sent out. I made my final payment on 12/6/2011 and was informed at that time that it would take approx 30 days for my loan to be rehabbed and to call back and check at the beginning of January. I called on January 4th and was informed that my loan had in fact been rehabbed. I was told that the offset had been removed and it would be safe to file my taxes. I was given an automated number to call to check as well. I was also told that I no longer had to make any payment to the DOE and I would receive information from Direct Loans in about a month. I filed my 2010 taxes on 1/4/12 and RECEIVED my refund from the IRS on 2/3/12. On 2/28, I received a bill from the DOE for $250 that was PAST DUE. I was confused by this as I was told I no longer was to make payments to them and the amount made no sense. I called the DOE on 3/5 and was told they were still having issues with their system and they were sending out erroneous bills by mistake and I could ignore it. I also confirmed again that my loan was rehabbed and I was told to expect information from Direct Loans, but it would be delayed because of issues they were having. On 3/5, I once again called the 1-800 number to make sure again that my taxes would not be offset, and there was no offset on my account. I then filed my 2011 taxes. My tax refund was to be deposited into my bank account on 3/14, but it did not happen. I was told by the IRS, that it was deposited and could take a few days for my bank to receive it. While waiting, I was received a letter in the mail from the IRS on 3/17 telling me that my refund had been offset and was sent to the DOE. I called many times on 3/17 and again on 3/19 to try to get some answers, but the DOE told me "Sorry nothing we can do" and hung up on me. I finally got through to a supervisor on 3/19 and was told by her that my loan in fact had never been rehabbed and she didn't know why I was told by SEVERAL different employees that it was. She even had notes in my account that she could see that stated that their employees in fact did tell me the wrong information. I then inquired how it was possible that I called the IRS 1-800 number and was told there was no offset, filed my 2010 taxes and received the refund, so how is it possible that 4 weeks later there was again an offset on my account. This time the supervisor told me that there was a "glitch" in their system which took EVERYONE off of the offset program in January and February and that this "glitch" was fixed in the few days between my filing of my 2011 taxes and the date for direct deposit ( 2 week window). They told me there is nothing I can do or have my refund returned to me. I don't know what to do. I feel that I did everything I was supposed to do in regards to making on time payments and checking on the status of my loan. It is not my fault that I was told the wrong information by multiple people AND an automated hotline. There would be no other way to verify the information. I feel that I did my due diligence and not my fault they have glitches and problems with their system and employees. If I knew the rehab process would take longer, I would have waited to file my taxes. I should not be penalized because of their inadequacies. I also never received any letter telling me that my taxes would be offset. If the offset was placed back on my account after my taxes were filed, this gave me no chance to do anything to avoid the offset. I am unemployed and was relying on my refund to pay rent, bills, eat, etc. Is there ANYTHING I can do to receive this refund that the Department of Education TOOK from me? It is obvious that there are many issues with this Department. From erroneous bills sent, no bills sent, employees giving wrong information, "glitches" that give wrong information to the IRS AND I was also told today that I never made my payment in October. This payment was on my account and suddenly "disappeared". I have my bank statement saying otherwise. Thank you in advance for your help. Hopefully you can point me in the right direction.

Can Private Student Loans be discharged in Chapter 13 after the 5 years?

Hello!, Student Garnishment began to take 15% percent of my check over a year ago, and I was making volunteer payments bi-weekly after Collections called me. Now when collections told me I was ALMOST done with my Payments, I asked them about the Garnishment thats been taking out every check, and My Income Tax thats been taken away by Dept. of Edu., and they told me there were no signs of them both on my account! they gave me a Loan tracking number, but that took me around in circles! Is there any other method I can go about this?

I was released from my last job, lived homeless for a few years, and finally got back on my feet with another job. In that time I communicated with the student loan debtors my situation. Under federal law, I was under the impression I could not be garnished for a year after landing this new job. Yet I was garnished anyhow. I did not receive letters regarding this. When I called and asked them to resend, I did not receive them again. They are telling me that I should get a lawyer because the time to challenge the garnishment has passed. Is this the only route, getting a lawyer?

My girlfriend's wages got garnished about 4years ago, acs received the payments but never gave it to my college, been battling this since. Now they want to collect on the money again...help

we have been paying min. payments on my boyfriends student loan and they took 2500 out of 2800 of our tax return. 1000 of that was from having a child last year and we are devestated they would take that. Is there a way we can get a majority of it back? i have to say we need that money.

My student loan was in default. I arranged automatic scheduled payments with the lender for 9 months. After the 9 months they would then submit my loan out of default to another lender. I have the documentation. This month would have been my last payment. They canceled my automatic payments without notification. Upon calling them they claim they needed additional personal information that they sent to me that I did not return it so therefore canceled my payment arrangements. I will now have to enter the default program again with an additional $2,000 in interest fees. I feel I have been scammed. They cancel my automatic payments 1 month before I complete the program? The payments were not canceled by me or my bank they were canceled on their end. What can I do?

I'm default on a private student loan. Can they garnish my tax refund this year? The private student loan is already with a collection agency. Thank You

Can they take my tax refund if they're already garnishing my check every week? And I paid half of my student loan already?