Everyone seems to only have issues with collection agencies but not with lawyers. A nasty lawyer garnished 20% of my wages 3 years ago and I was under the assumption that both portions of my loan were being garnished. Well well, after the garnishment I was informed that now I owe the federal portion of $15,000. The amount didn't make sense to me since they already took $14,000 and the provinical loan was only $7,000+. There's no way so much interest accumulated. Anyways, they had me believing I owe the other amount so I was submitting proposals to them. I finally called Jane Stewart's office and was infomred that there was nothing on file that stated I owe them money. I mentioned this to the lawyer and haven't heard back from them for over a year, until now. They are demanding that I give them 12 post dated checks otherwise, they will garnish and/or seize my assets(that I don't have ) without further notice to me. Can they do this? I am contemplating bankruptcy.