Partner with an experienced advocate to help you navigate the process with clarity, strategy, and confidence.
Connect With Your Advocate
We help you navigate the Bureau of the Fiscal Service’s wage garnishment hearing process — reviewing your case, preparing strong objections, and advocating for you every step of the way. This hearing is designed to determine whether the debt and/or the amount are valid and whether financial hardship may apply.
We guide you through the process of requesting a suspension of wage garnishment based on qualifying employment circumstances. Our team helps you complete the necessary documentation and ensures your request is presented clearly and effectively.
If the Bureau of the Fiscal Service delays your hearing decision beyond 60 days, we help you prepare a formal inquiry to your Senator or Representative. This step ensures your case receives attention and reinforces your right to a timely decision.
We help you explore available repayment options within the Bureau of the Fiscal Service’s guidelines. While federal parameters are limited, we can advocate on your behalf to pursue arrangements that reflect your current financial situation.
Some things money can’t buy — like having someone who truly sees you. We provide steady, honest guidance as you face federal debt challenges and hard decisions. And we’re here to help you every step of the way.
A 45–60-minute strategy session with your advocate to review the results of your Case Assessment & Document Review, discuss your available options, and develop a personalized plan based on your goals and the available evidence.
We offer Service packages and Optional add on services
Document Review
In-depth review of documents & Bureau of the Fiscal Service letters
Assessment of debt validity and payment status
Professional summary of findings
Coaching Session
45–60 minute strategy session with your advocate
Walkthrough of your debt type, options, and next steps
No document review included
Full Hearing Prep
Includes Document Review and Coaching Session
Drafts hearing request and outlines hardship argument
Includes client-facing prep materials
Option to add correspondence service
We offer service packages and optional add-on services.
Case Assessment and Document Review
Comprehensive review of your Treasury correspondence and available case documents.
Review of the available evidence supporting the debt, including the Proof of Debt, when appropriate.
Professional summary of findings and recommendations to support your next steps.
Strategy Session
Review the results of your Case Assessment & Document Review.
Discuss your available options and develop a personalized plan.
Case Assessment & Document Review services are not included.
Full Advocacy Services Package
Includes Case Assessment & Document Review, and Strategy Session.
Preparation and submission of required documents for your selected service.
Personalized guidance throughout your selected service.
Jay serves as the first point of contact for individuals navigating the overwhelming process of federal debt and wage garnishment by the Bureau of the Fiscal Service. As the forward-facing advocate at SBA & Federal Debt Advisory Services, he brings a calm, grounded presence to every conversation — offering clarity, compassion, and direction when it’s needed most.
For nearly a decade, Jay has worked alongside our team, developing a deep familiarity with the Bureau of the Fiscal Service’s collection process, non-tax federal debt systems, and the challenges facing borrowers with SBA loans in collections. He’s helped shape the very guidance we now offer to clients and plays an essential role in delivering that support every day.
Backed by years of experience managing teams and solving complex problems in high-pressure environments, Jay knows how to listen, simplify the next steps, and ensure that every client feels seen and supported. Whether you’ve just received a garnishment notice or aren’t sure who to trust, Jay is here to help you steady the course and take the next right step forward.
.jpg)
We envision a world where people facing federal non-tax debt are empowered with clarity, dignity, and a path forward.
We provide experienced guidance and real advocacy for people contacted by the Bureau of the Fiscal Service and other federal collection programs, helping them understand their options and pursue the best realistic outcome for their situation.
Whether you’re seeking clarity, strategy, or solutions—I’m here to help guide you every step of the way.
Take a moment to fill out the quick form below — it helps me understand your situation and figure out the best way to support you. The more I know, the better I can guide you through the next steps and make this process feel more manageable.
Connect With Your Advocate💡 Your details stay private. I only use this info to better support you.
You can also contact me at YourAdvocate@nontaxdebthelp.com
