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Hi I really need some advice here. I am desparately trying to get out of default. I got a wage garnishment letter from Pheaa on my student loan. My student loan is actually with AES. Yes ia m in default. So anyway the letter was on Pheaa letter head and stated that Pheaa is processing a wage garnishment. I called Pheaa they said they are not. I called AES they sent me to GC services. In the meantime I went ahead and filed a consolidation application I really want to fix this. So i proceed to call GC. I let them know I can afford to pay them 100 today and 200 on the 20th. They would not accept that because I do not have a checking account. BTW this is after asking me for 1000.00 up front. So 300.00 total this month. They said the least AES will accept is 180.00 wait I thought according to NAt student loan and AES that GC services is the one trying to collect. Anyway they will not take less than 180.00 to stop the wage garn. Also the wage garn equals 226 .00 out of my paycheck. In the meantime I have this application in for consolidation. So I have to stop the wage garn before it happens. Letter also states that the date is 01/14*/14 and I have to the 12th. I though they have to give me a 30 day notice? So basically my question is two parts: 1. If I pay GC services 180.00 can they still garnish and can I still consolidate? They said I can I think they are lying. 2. Is the letter legal if they say that Pheaa will garnish when they are the ones trying to garnish (btw no wage garnishment hearing to date)? Pheaa said they are not.
