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Posted in Taxes
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Question By
gigglebunny

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Tax Garnishment or Not Filing?
I'm disabled and recently went from able to work part time to not able to work at all. I have no income and am waiting on SSI/SSDI paperwork and there's a 14 month list right now. Last time I filed taxes, my refund was garnished and it went to my student loan (about $1300 of a $4500 loan) The student loan company didn't even consider it a payment toward the rehabilitation. Not even ONE. Now, I hear that if I let them take my refunds and it pays it off completely, it will NEVER come off my credit and I will always be stuck with this bad debt. Should I just not file my taxes? I want to rehabilitate this loan and get it off my credit for good. I could also really use the refund because I have no income. Is there any way to stop them from taking it?

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Possible to cancel debt.

Helpful to 4 out of 5 people

If you are no longer able to work at all, consider looking into getting a Permanent and Total disability discharge of the student loans.  It will require a form to be filled out by a Dr to make that declaration and will take a 3 year waiting period.  I know because I was finally able to do so.  Please look into this ASAP.

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