My name is Ashlee. I have a financial situation im not sure how to handle. With work closures due to COVID-19, I was counting on my tax return to aid in supplementing my income for the time being. The DOE garnished it even though I am not in default.
From what I read, which I can barely comprehend, they use creditor agencies to verify whether a borrower is eligible for garnishment. But the agencies don’t update positive marks often enough. Or maybe its that the DOE isn’t reporting my more recent payment history to my creditors? Anyway, I was not very responsible in the past and have had my return rightfully garnished before and had no objection because of the state of my loans. I am almost a year current on my payments and even make most payments over double what my payment is. (My owed amount isn’t dropping at all either but that’s another conversation) lol.
I just cant get educated on these things. There are so many ins and outs. I don’t have enough knowledge about the DOE or the Treasury Offset Program to know what steps to take to get my return back. I just need someone to have a conversation with me so I can get some kind of idea of what options I have. I dont know how long I will be out of work. And I need help now. I do realize this is more of a lawyer question but if you have any advice at all or can refer me to a lawyer or form or anyone that might be able to help I would greatly appreciate it.