My question involves collection proceedings in the State of: AZ
I have a garnishment that started this last month. I have multipule loans stretching out to the sum of around $85,000 from two schools and two or more lenders. One is for $45,000 and they just sent me the final notice for treasury offset. I need to know if the Fed consolidation is still applicable and what are options to avoid losing 25 - 45% of my monthly income. My budget is stretched as far as it will go. I can do modest ($200) monthly payments for now.

