Answer:
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From student loan GUY at www.studentloanfundamentals.com
You can surely challenge the garnishment IF it is causing financial hardship...
Here is how to stop the garnishment:
Financial Hardship:
You can challenge the garnishment by submitting what is called a "financial statement". Along side with the financial statement you would want to submit all of your bills and expenses. (Remember they consider credit cards, Timeshares, and such as luxuries) If you have medical bills or medical problems make sure that you include proof of this...
Non-Financial Hardship:
Negotiate a minimum payment that is a qualifying amount for the "Rehabilitation payment program". This is going to sound silly but hear me out.... MAKE PAYMENT ON TOP OF THE GARNISHMENT.... after 9 months your garnishment will cease and you will have most of your collection fees waived...
Best of Luck...
Mr. K
Rogue student loan collector