Sader Law Firm Blog

Can Creditors Garnish My Wages Without a Court Order?

Posted on August 16, 2017 by The Sader Law Firm

Creditors may seek a judgment against you to recover defaulted debts. For example, if you owe past due hospital bills or have defaulted on credit card payments. However, the rules for how creditors may garnish your wages can vary depending on the circumstances. Many creditors must first receive a court order before beginning a wage garnishment. Government agencies are not bound by this requirement. This is because government agencies can issue a wage garnishment without having to first seek a court order. The following types of creditors may seek an administrative wage garnishment to recover debts. The Department of Education: The Department of Education can issue an administrative wage garnishment if you default on federal student loans. They can take up to 15 percent of your wages and your income tax return to pay back defaulted higher education debts. The IRS: If you owe taxes, then the IRS may issue…
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Education Department Tells Borrowers They Cannot Depend on PSLF Approval

Posted on August 14, 2017 by The Sader Law Firm

Last December, four student loan borrowers sued the Department of Education. These borrowers claim the Education Department cheated them out of the Public Service Loan Forgiveness (PSLF) program. The borrowers, who had received approval from their loan servicer to participate in PSLF, claim the Education Department retroactively denied their eligibility for the program. The Education Department has told borrowers that they cannot rely on FedLoan Servicing to say whether they qualify for student loan forgiveness under the PSLF program. FedLoan Servicing is one of several student loan servicers working on behalf of the Department of Education. It is also the only servicer that handles loans enrolled in the PSLF program. The Education Department claims only it can decide who is eligible for loan forgiveness. Signed into law by President George W. Bush in 2007, the PSLF program allows borrowers with federal Direct loans who are working in eligible public service…
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How Can I Cut Health Care Costs?

Posted on August 9, 2017 by The Sader Law Firm

Medical debt is one of the most common reasons why people may suffer unexpected financial hardship. This is true even for people with insurance policies, who may have high deductible plans or bills from out-of-network services. However, there are certain steps you could take to cut health care costs. Find a Federally Qualified Health Center (FQHC) in your area. These are health centers that qualify for funding under the Public Health Service Act. FQHCs offer certain types of services on a sliding fee scale. This means that if you qualify for these sliding scale fees, you could receive discounted preventative, dental, mental health and specialty care services. To find an FHQC in your area, visit this website and type in your zip code. Call the center beforehand to ask which services they offer. If you have a health insurance policy, try to avoid out-of-network facilities, specialists or services. In non-emergency…
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