What Debts Can Be Settled or Included in a Debt Relief Program – and What Can’t

What Debts Can Be Settled

Most debt relief and settlement programs only accept unsecured consumer debt, such as credit cards, personal loans, and certain medical bills. Secured debts, like auto loans and mortgages, generally cannot be settled because the creditor holds the right to repossess or foreclose on the collateral. Federal student loans have their own specific government repayment programs … Read more

Federal Student Loan Wage Garnishment: How Administrative Garnishment Works and Why 2025-2026 Changes Everything

Federal Student Loan Wage Garnishment

The Department of Education does not need a court judgment to garnish your wages. They use an administrative process that bypasses the local court system entirely. Federal student loan garnishment is limited to 15 percent of your disposable earnings, which is lower than the standard limit for consumer debts. You have exactly 30 days from … Read more