My question involves collection proceedings in the State of: Texas.
I took out a personal student loan through Sallie Mae and it recently has gone into default. With it already being a stressful situation, the collection agency kept calling my parents house looking for me, in which I had to return the calls and inform them I no longer live there. They have my correct number and address now. Just recently, my husband and I finally agreed to pay a low rate for 3 months, but the amount will go up after that and we're certain we won't be able to afford it. I'm worried that after that, the calls will start up again and they will keep pestering my parents' phone. Is there any law that can prevent them from contacting them? Also, will I be sued if I can no longer pay after the 3 months? And if I am sued and they win the case, how will they get the money from me? I am so stressed out about this. My husband works but I don't. I've been looking for work but haven't been lucky yet. I just don't know what to do and would like some information. Thanks in advance!
Also, I just wanted to add that when I spoke to them, I told them they could go ahead and garnish our tax refund but they said they don't do that because it's a private loan. So if a tax refunds can't be garnished, what other option is there? And I thought they COULD be garnished??

