<prompt> Human: Whenever I was younger I got a house and took the first time home buyers loan. Lost the house due to foreclosure and now have to pay the entire amount back. Most the of loan has been paid back via tax returns that I never received. Now all of a sudden I get letter in the mail stating that the IRS will start to garnish my wages. I am currently paying 610 a month for rent. I have my girlfriend, younger unemployed brother, and myself in the household. In total on bills, including rent, we average around 1,100 or so in expenses minus food. The total income is 3,200 per month. I currently am not claiming myself on my wages, claiming 0. I need to figure out what I need to do to take care of this final 3,200 that I still owe.  <response>: Theres a phone number on the letter you received. Call it on Monday, and theyll help you straighten things out. It sounds like youve got plenty of income left over after expenses, so it shouldnt take too long to pay the final 3.2k. 