My question involves collection proceedings in the State of Ohio. I live in Ohio. I have a private loan in default from Mega Life Ins. NCO Financial is now collecting on the loan. They make harrassing phone calls to me at home and work. Can they garnish my wages or checking acct for this debt? I have offered to make payments for $25-50 a month and she told me not to bother because of the interest it would not make a difference.