<prompt> Human: I got a call from a company at the beginning of October 3rd probably, saying theyd bought out my student loans and were trying to set up a payment plan. Ive never had any contact with this company before. They were wanting to set up a payment, and my paychecks are pretty tight, I tried to offer 30, which is about maximum of what I can afford, and they asked for somewhere around 95Mo, which theres no way I could afford. Im pretty sure they hung up on me then, because I had 4 bars of signal and the call ended. Ive never had a contact number for them.Fast forward to today, and I get my paystub and it has 95 thats been pulled as an allotment without me having any notification of it before today. I dont understand any of this, and certainly dont understand how they can do it without speaking to me. Any ideas?  <response>: I dont understand any of thisYou took out debt, didnt pay it, and now your wages are being garnished. and certainly dont understand how they can do it without speaking to me. Its called an administrative garnishment and for federal student loans, it happens without a court order. You say they never told you, but honestly, you are almost certainly wrong. I suspect they sent emails and regular mail letting you know you were late and in default. Its possible they have the wrong information on file, but its your responsibility to keep it updated. My servicer sends me messages constantly every month reminding me of my payment and confirming when its paid. I seriously doubt they wouldnt send something if you were months late. You should find out what loans you have and who services them by going here: That will show your federal loans, but not any private you may have. Then you can contact them and figure out what you owe, what options are available for payment, etc. 