Consumer complaint received 2018-02-12
Company: Delta Management Associates, Inc.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
On XX/XX/XXXX my employer received notice of a wage garnishment order. This was my first notice of this action and I believe improperly executed and has violated my rights. I have been paying XXXX XXXX XXXX,   XXXX XXXX XXXX., XXXX OH XXXX since XX/XX/XXXX. ( I provided a copy of my bank statement yesterday. I have a revised copy with the XX/XX/XXXX dates. The copy I sent yesterday only shows the XX/XX/XXXX payments. ) XXXX  contacted me at that time and I provided financial information and the hardship I was in at that time. My son is an addict and as a direct result of his addiction, I was in extreme financial difficulty. At this time XXXX card had 2 judgments against me, one Im still paying, $ XXXX  monthly and the other I was able to settle. Ultimately my son was Sectioned and with the help of family I started paying back the debt that resulted from this period. Although I moved during the period of making these payments to XXXX, they were made aware of the address change. I have attached a copy of the notice they sent dated XX/XX/XXXX stating they closed my account. This letter has my address and it notes my student loan. My home address was on record as well as my good faith effort to pay back an amount I could afford at the time. In XX/XX/XXXX, I changed employment. You were able to track me to my employer ; however, although my address was on file and noted with my student loan, no attempt was made to reach me at my home address. I had no opportunity to review my loan or negotiate any revised payments. Since I received notice of the garnishment, I was able to review my loan which has an outstanding principal balance of {$48000.00} and {$6500.00} interest balance. My current balance according to the information provider to my employer is {$65000.00}. 
My employer is complying with the order as required however I am requesting the order withdrawn and the opportunity to renegotiate the loan and payment. 

Above is the latter I sent to XXXX XXXX XXXX on XX/XX/XXXX. On XX/XX/XXXX I sent all the requested paperwork for consideration with the loan  rehabilitation program and requested a copy of my loan history and payment. 

I have not called them since my initial 2 phone conversations on XX/XX/XXXX and XX/XX/XXXX. I am not trying to get out of my loan but however would like the opportunity to  review the information and negotiate a payment schedule. Garnishing my wages without this opportunity, I believe, is a violation of my rights. I provided them with the requested documentation as well as bank statements showing my good faith effort to pay and XXXX  's knowledge of my address. 

The garnishment, which will be effective in my pay received Friday XX/XX/XXXX is going to place me in a financial hardship. I am supporting my XXXX year old son who has XXXX XXXX. He earns {$20000.00} a year and I provide over half of his financial support. In addition I have only been at my place of employment since XX/XX/XXXX and this has placed me in a very embarrassing situation. 

Any assistance in getting a hold on the garnishment so that I may review and negotiate my loan payments would be greatly appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation