Wage Garnishment Letter Received But I'm Unemployed

[Gigi817]

My question involves collection proceedings in the State of: I live in Texas but took out the loans in Oklahoma.

A few days ago I received a "Notice Prior to Wage Withholding" from a collection agency with "Oklahoma State Regents For Higher Education" logo in the upper right corner of the letter (not in color but black and white ~ looks Photoshopped).

I lost my job in outside sales in 2007 and have exhausted my unemployment benefits. I work a contract labor position from home doing legal transcription work, have a booth at a local antique mall and have just started selling a few things on eBay. I don't make a lot of money through any of these endeavors. My husband is a teacher and he pays all of our bills.

We "lost" half of our income tax return last year (calendar year 2010) to pay my student loans. We were able to keep one half after filing a form with the IRS on behalf of my husband. I'm sure they'll take one half of our calendar year 2011 return ~ still waiting to hear from the IRS on this issue.

I have checked the website ~ https://www.nslds.ed.gov ~ which shows the student loans I took out but it doesn't show what has been paid either by me in the past (a few years ago) or what was paid via our confiscated IRS refund. Where/how do I get a current accounting of my student loans including all payments?

What should I do about this wage garnishment letter I received and how do I handle the fact that I'm unemployed? I don't want my husband to suffer because of this ~ remember he's a teacher and we know that teachers are not paid as well as others.

Thanks!

- - - Updated - - -

One other fact ~ One of our cars (2003 Ford Taurus with 188,000 miles) is in my name and was purchased before we were married. The house and the other vehicle are in my husband's name. The other vehicle was purchased before we were married and the house was purchased after we were married.

Can "they" go after any of my measly assets?

[Mr. Knowitall]

They can only garnish your wages if you have wages to garnish.

This is simply an administrative action, or do you have a judgment against you?