So my student loan defaulted because a representative at Sallie Mae failed to enter the information I faxed her into the system to put me on an economic hardship deferment and then an in-school deferment. Needless to say I wasn't very happy. I contacted NCO to set up payment arragements, they refused because I do not have a checking account.

They sent me information on possibly garnishing my wages. I checked the box that said telephonic hearing because if they garnish my wages it will put me in a hardship again. I have since been in contact with NCO financial, they have my new address and my new phone number, well they have been sending mail to my old address still and they called my old phone number. Why can't one person communicate with another person when you update your information? So I received a letter stating that because I failed to answer my phone they are garnishign my wages 15%. I did not fail to answer my phone, they failed to call the correct number that they have in their systems. Now that they are taking that much out of my paychecks, we cannot buy groceries for our children or pay rent, all because they can't get their information correct.

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