So, arranging a repayment plan when shifting jobs would be a sensible and wise effort.

I have about $10k in student loans and am going with a wage garnishment. However, I have received a better job offer. I guess the garnishment will continue with the new company too. Can I not arrange a repayment plan after I shift company, instead of the direct wage deductions?

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Wage garnishments often doesn't leave a good impression with the employer. So, arranging a repayment plan when shifting jobs would be a sensible and wise effort. The offered repayment should at least be equal to or more than the garnished amount, if you want to get rid of the creditors quickly. Else they may not even agree to it and resume garnishment.

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The creditors already have a garnishment order against you. Once you leave the present company, the employer is supposed to notify the court, and eventually, the creditor will track your new employer. The garnishment will reinstate once a new court order is set, but the process will be delayed (max for 1 or 2 months).

Now as you said, yes it's a great time to arrange a repayment plan with your creditors. You're not obligated to inform them about your job change. But you can do it, if you want to avoid further garnishments. It depends on the creditors whether or not to agree to your proposal. They just might, since they would also like to avoid the extra court costs.


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