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The loan company is not a government agency, can they take my tax return?

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5 Responses to “Can a Private Debt Collection Agency Take Your Tax Return for a Student Loan?”

  1. Choices
    December 12, 2010 at 5:19 pm #

    Yes - only if they have a judgment against you.

    They will bluff you to get you to pay. But they have to go to court and get a judgment against you before they can garnish your paycheck and tax returns.

  2. CatDad
    December 12, 2010 at 5:40 pm #

    If it's a federally funded student loan that has gone into default, then yes. They don't need a judgment to do this.

  3. Pablo
    December 12, 2010 at 5:45 pm #

    The government could since it was with the Department of Education. Depending on your state law they can go to court with you (the collection agency) to get a judgment), or the government intends on garnishing you or getting your tax refund. Take care.

  4. Matthew
    December 12, 2010 at 6:49 pm #

    The previous comments answered your question accept for the fact that you can not get away from Federal debt. You typically cant even include it in a bankruptcy. Your best bet is to work with these guys and be honest about what you can afford as far as a repayment goes. At the end of the day you are going to pay this whether you cooperate or whether you go to court, and get forced into a payment. Once the IRS starts garnishing your tax returns good luck getting it stopped once the payments are all made... Bad News.. pain in the BUTT...Even if you can only afford $20 a month, i suggest paying it..

  5. Collector Blake
    December 12, 2010 at 9:13 pm #

    agreed, student loan is the only kind of debt that they don't need a judgment to garnish and you can't wipe it out in bankruptcy.

    they can execute against your tax return.

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