Consumer complaint received 2018-11-01
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (LA)

My student loans are in default so I was sent the paperwork for the company to garnish my earnings. I responded to the letter with the claim that garnishing my earnings would cause undue financial hardship, I submitted my last 2 current check stubs ( {$810.00} & $ XXXX= {$1600.00} ) along with bills. Information that was not pertinent to determining my earnings ( my pay rate, employee ID # ) as well as my account # for my bills, VIN # for my cars were also blacked out this is something that I have done with previous hearings. I received a letter from the hearing officer stating my claim was denied because I put N/A for questions like spouse income when I clearly stated that I am SINGLE so a spouses income does not pertain to me, I also stated household total as 1 which is ONLY me so there was no other income to report. It also stated that I submitted something that appeared to be a car not payment form, the form clearly shows the make and model of the car along with the bank that I make payments to and the amount of the payment which is {$510.00} the only thing blacked out was my VIN # & account # both things that weren't relevant to what the bill was as well as the payment that is due monthly. I sent a copy of the front page of my lease agreement that states what my rent is monthly ( {$600.00} ) but the officer stated that it was a unsigned lease agreement, the page with our signatures DO NOT show what I pay a month so I did not include that page. I also included what I pay a month in car insurance for my vehicles ( {$160.00}, {$330.00} ) and the officers response was a sense of confusion like they had no idea why I was paying insurance for my vehicles and to date I have had to cancel the insurance on one of my vehicles because of the wage garnishment I could no longer afford it. I sent my electric bill which was over {$200.00} because it was doubled, my cell phone bill which is {$330.00}, cable bill {$230.00}, renters insurance {$25.00}, groceries/food {$200.00}, personal/clothing items/cleaning items were about {$130.00}. Even without adding all of my bills and only totaling my rent ( {$600.00} ), car note ( {$510.00} ), car insurance ( $ XXXX+ {$160.00} ), electric bill ( {$100.00} ) &  household/food/clothing ( {$300.00} which is below the IRS standard of living for XXXX person which is {$630.00} a month ) which totals over {$1900.00} that my monthly income of {$1600.00} which is not guaranteed it is based off of a client showing up for XXXX XXXX & if not I get sent home that I COULD NOT AFFORD garnishment of my earnings and that it would cause undue financial hardship. My most recent check was only {$510.00} because the garnishment which totaled {$91.00} so I was unable to pay my car note of {$510.00} and had to get an extension with is going to cost me and extra {$98.00} so my note is now {$610.00} on top of having to pay {$650.00} for my rent! This garnishment has put me in a extremely bad financial position, I am in jeopardy of losing my car without an out since I could no longer afford the car insurance on my car that is paid for, nor can I buy a battery or tire for it because I have no extra money, all my bills are double and with my rent increase I may not be able to afford that as well something will have to go and then I won't be able to hold on to y job because I won't have a car. This happened because someone was more worried about vin # 's and account numbers being blacked out rather than my earnings & total of my bills!