Thanks! I am thinking that is probably m best option at this point. I am a single mother of 4 also paying out 1/3 of my "disposable income" to daycare... at this point I can't afford the gas to get to work.
I had a garnishment taking 10% of my gross income (10% of my gross income is less than 25% of my disposable income). I later received a garnishment notice from the Department of Education. My employer is now taking the full 25% of my disposable income. The way I understood what I had read was...