If you Owe more than $30,000 contact us for a case evaluation at (833) 428-0937
contact us for a free case evaluation at (833) 428-0937
Call us (833) 428-0937

How Do I Stop An Administrative Wage Garnishment?

You can stop an administrative wage garnishment by proving you don't owe the debt, the amount claimed is wrong, it would constitute a financial hardship.

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How Do I Stop An Administrative Wage Garnishment?

You can stop an administrative wage garnishment by proving:

  • The debt is not enforceable against you
  • The amount of the debt is incorrect
  • An administrative wage garnishment would constitute a financial hardship

How Do I Stop An Administrative Wage Garnishment

You Must Timely Request A Hearing On An Administrative Wage Garnishment

You will receive a notice from the Bureau of the Fiscal Service stating that the Treasury intends to garnish your wages. Thereafter, you must submit a hearing request prior to the date stated in the notice.  Moreover, if you fail to submit your hearing request timely, the Bureau of the Fiscal Service will issue an order to your employer to start garnishing your wages.  However, an order will not issue until you have had a chance to be heard but only if you submit your hearing request on time.

You Do Not Owe The Debt

You may present evidence and arguments proving that you do not owe the debt.  However, you must provide evidence as to why you do not owe the debt.  For instance, you may have been released from the debt by government agency that claims you owe the debt.  Likewise, you may have paid the debt in full.  You may have a myriad of legal defenses that prove you are not liable for the debt.

The Amount The Bureau of the Fiscal Service Claims Is Incorrect

Furthermore, you may owe some or part of the debt, but not the amount the Bureau of the Fiscal Service alleges.  As such, you may have records of payments you made towards the debt that show a lesser amount.  Or you may have evidence that the government sold certain collateral, which paid down the amount of the debt.  In any case, you will need to present evidence as to why Bureau of the Fiscal Service's claim is inaccurate.

The Administrative Wage Garnishment Would Constitute A Financial Hardship

In addition, you may claim that the proposed administrative wage garnishment would create a financial hardship.  However, you must submit a personal financial statement and supporting documentation.  The financial documentation must show that an administrative wage garnishment would not allow you to meet your basic living needs.  These needs include food, housing, utilities, transportation, medical care, and other living essentials.  It does not include such expenses as funding your 401k, your child's private school or college tuition, excessive housing costs, credit card debt and other expenses.

Contact Protect Law Group For A consultation

Protect Law Group's assertive attorneys are experienced in defending clients in administrative wage garnishment hearings.  Our attorneys provide you with the best possible chance at winning by marshaling favorable evidence and presenting well-researched legal defenses.  Contact us today for a free initial 20-minute consultation.

Why Hire Us to Help You with Your Treasury or SBA Debt Problems?

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Millions of Dollars in SBA Debts Resolved via Offer in Compromise and Negotiated Repayment Agreements without our Clients filing for Bankruptcy or Facing Home Foreclosure

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Millions of Dollars in Treasury Debts Defended Against via AWG Hearings, Treasury Offset Program Resolution, Cross-servicing Disputes, Private Collection Agency Representation, Compromise Offers and Negotiated Repayment Agreements

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Our Attorneys are Authorized by the Agency Practice Act to Represent Federal Debtors Nationwide before the SBA, The SBA Office of Hearings and Appeals, the Treasury Department, and the Bureau of Fiscal Service.

$488,000 SBA 7A LOAN - SBA OHA LITIGATION

$488,000 SBA 7A LOAN - SBA OHA LITIGATION

The clients are personally guaranteed an SBA 7(a) loan.  The SBA referred the debt to the Department of Treasury, which was seeking payment of $487,981 from our clients.  We initially filed a Cross-Servicing Dispute, which was denied.  As a result, we filed an Appeals Petition with the SBA Office of Hearings and Appeals asserting legal defenses and supporting evidence uncovered during the discovery and investigation phase of our services.  Ultimately, the SBA settled the debt for $25,000 - saving our clients approximately $462,981.

$150,000 SBA 7A LOAN - NEGOTIATED WORKOUT AGREEMENT

$150,000 SBA 7A LOAN - NEGOTIATED WORKOUT AGREEMENT

The client personally guaranteed an SBA 7(a) loan for $150,000. His business revenue decreased significantly causing default and an accelerated balance of $143,000. The client received the SBA's Official 60-day notice with the debt scheduled for referral to the Treasury’s Bureau of Fiscal Service for aggressive collection in less than 26 days. We were hired to represent him, respond to the SBA's Official 60-day notice, and prevent enforced collection by the Treasury and the Department of Justice. We successfully negotiated a structured workout with an extended maturity date that included a reduction of the 14% interest rate and removal of substantial collection fees (30% of the loan balance), effectively saving the client over $242,000.

$350,000 SBA 7A LOAN - NEGOTIATED STRUCTURED WORKOUT AGREEMENT

$350,000 SBA 7A LOAN - NEGOTIATED STRUCTURED WORKOUT AGREEMENT

Client personally guaranteed SBA 7(a) loan for $350,000. The small business failed but because of the personal guarantee liability, the client continued to pay the monthly principal & interest out-of-pocket draining his savings. The client hired a local attorney but quickly realized that he was not familiar with SBA-backed loans or their standard operating procedures. Our firm was subsequently hired after the client received the SBA's official 60-day notice. After back-and-forth negotiations, we were able to convince the SBA to reinstate the loan, retract the acceleration of the outstanding balance, modify the original terms, and approve a structured workout reducing the interest rate from 7.75% to 0% and extending the maturity date for a longer period to make the monthly payments affordable. In conclusion, not only we were able to help the client avoid litigation and bankruptcy, but our SBA lawyers also saved him approximately $227,945 over the term of the workout.

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