Three-panel image showing a woman’s emotional journey through federal non-tax debt collection — starting with frustration over a Bureau of the Fiscal Service notice, then receiving guidance, and finally holding an action plan. Part of the 'Debt Truths & Deep Dives' educational series on how federal debt collection works."

Not sure how the Bureau of the Fiscal Service collects non-tax debt — or what happens if you can’t pay right away?
This section walks you through the system in plain language, so you can understand your options, know what to expect, and make informed decisions before garnishment starts.

Can the Bureau of the Fiscal Service Really Garnish My Wages?

This article breaks it all down in clear language — what’s allowed, what you can avoid, and how you can take action now to protect your income and peace of mind.

How to Request a Wage Garnishment Hearing — And Why It Matters

How to request a Wage Garnishment Hearing

IBR Forgiveness Paused — What Happens Now for People Already in Default?

The Department of Education quietly paused IBR loan forgiveness, leaving defaulted borrowers scrambling for clarity. Here’s what this means if you're already in collections — and what to watch out for next.

Does the Statute of Limitations Apply to SBA Disaster Loans?

Many assume SBA disaster loan debt will expire. The truth: federal rules allow collection indefinitely.

Split-panel image showing a quill, advocate’s notebook, and typed letter on a warmly lit desk next to a woman wearing headphones and speaking into a microphone — representing 'From the Advocate’s Desk: Real Talk & Reassurance' for individuals facing federal non-tax debt challenges

These messages are written with you in mind — to offer clarity, calm, and a little encouragement during a tough season. From honest reflections to timely reminders, each piece comes from experience and is here to help you feel more steady and less alone.

‍In this section, you'll find supportive newsletters that explore life with non-tax federal debt, insights on navigating communication with the Bureau of the Fiscal Service, and thoughts on staying grounded when the pressure builds.

How Did I End Up Here?

Shocked to learn that your SBA debt is now with the Treasury? This is for you. You didn’t set out to land in debt, and you’re not a failure for needing support. In this emotionally grounded newsletter, your advocate reminds you of the bigger picture behind your debt and the small business journey that led here.

Got a federal debt collection notice? Here’s how to respond before garnishment starts.

If you just received a federal debt collection notice from the Bureau of the Fiscal Service (part of the U.S. Department of the Treasury) — especially one warning of wage garnishment — take a deep breath. You’re not alone, and you still have time to act.

Four-panel image showing a man reacting to a Bureau of the Fiscal Service notice of wage garnishment, experiencing stress and confusion, then gaining clarity about the hearing process and sitting with an advocate — representing Advocate’s Cheat Sheets: Fast Facts with Feeling for navigating federal non-tax debt.

When you need answers right now, reach for these quick-reference guides.
Each cheat sheet boils complex Bureau of the Fiscal Service rules on non-taxdebt and wage garnishment down to clear bullet points, mini-checklists, and at-a-glance numbers—so you can make smart moves without sifting through pages of legalese.

They’re concise, practical, and always paired with a note of encouragement—because good information should feel as supportive as it is useful.

Facing Garnishment? Your 3-Step Action Plan.

Learn how to stop or reduce wage garnishment by the Bureau of the Fiscal Service. Discover your 3 essential steps to protect income, request a hearing, and explore options before federal debt collections take more of your paycheck.

Empowerment Vault