The U.S. Government Is Coming for 9 Million Americans

From the Desk of Attorney Omar Zambrano: Helping 10,000 Families Become Debt-Free in 2025

📍 Proudly Serving Los Angeles, San Bernardino & Riverside Counties

The U.S. Department of Education just made it official — student loan collections are back, and over 9 million Americans are in immediate danger of wage garnishment, tax refund seizures, and even Social Security deductions.

If you're reading this and thinking, "Well, they haven’t contacted me yet" — that silence is about to end.

Here’s what’s happening and what it means for you, your family, and your financial survival in 2025.

Student Loan Collections Resume – May 5, 2025

After a five-year freeze, the federal government is restarting collections on defaulted student loans. This is no longer a rumor. It’s been confirmed by the U.S. Department of Education and widely reported by Forbes, The New York Times, and other financial outlets.

Key numbers:

• 5 million borrowers are officially in default (no payments in 360+ days)

• 4 million more are seriously delinquent (91–180 days behind)

• 9 million people total are now exposed to forced collections

That includes:

• Garnished wages

• Withheld IRS refunds

• Intercepted Social Security payments

• Damaged credit reports

• And zero warning before it starts

This is not just about missed payments. It’s about a wave of federal action designed to recover billions from borrowers — most of whom were already struggling to get by.

The Government Is Broke — And It’s Coming for Every Penny

Let’s be honest. This isn’t about policy anymore. It’s about revenue.

The U.S. government is running deficits from every direction. And one of the “easiest” sources of funds? Defaulted federal loans. The Department of Education doesn’t need your permission to garnish your paycheck. They don’t need to take you to court. They already have your signature.

Here’s what that means:

• They can withhold your federal tax refund and apply it to your student debt

• They can automatically garnish your paycheck (up to 15% of take-home pay)

• They can deduct from your Social Security check, if you're over 62

• They can report you to credit bureaus, tanking your score for years

This is all legal. And it’s already happening.

Why So Many Americans Are Vulnerable Right Now

If you’re one of the 9 million borrowers in danger — you’re not alone.

The system was already broken:

• Student loan servicers failed to notify people about new repayment programs

• Many borrowers were promised forgiveness or adjustments that never came

• Income-based repayment applications were delayed or lost

• Confusion after the pandemic pause left millions in limbo

Meanwhile:

• Foreclosures are rising

• Auto repossessions are back

• Rent has exploded

• Wages have stagnated

This isn’t just about one type of debt. It’s about the whole financial structure collapsing for working families.

What I’m Seeing in My Office

In Baldwin Park, Rialto, and Pomona, the stories are pouring in.

📍Van Nuys Couple: Both public school employees. Deferred student loans for years. Now receiving wage garnishment notices despite trying to enter a repayment plan.

📍Riverside Single Mom: In default since 2021. Just got her 2024 IRS refund intercepted — all $4,217 applied to old loans she thought were under forbearance.

📍West Covina Warehouse Worker: Owes $27,000. Applied for IDR but never got a response. Now getting calls from debt collectors posing as government officials.

This is real. It’s happening now.

What You Can Do About It

If you’re worried about being caught in the government’s crosshairs, here are your options. But you need to act before enforcement begins.

✅ Request a Copy of Your Loan Authorization Agreement (LAA)

Email cesc@sba.gov with your full name and loan number in the subject line. Review every clause.

✅ Apply for Income-Based Repayment (IDR) Immediately

Go to studentaid.gov and begin your application. This can pause collections — but only if you apply.

✅ Check Your Default Status

You can look up your loan at Studentaid.gov or pull your credit report. If you're in default, collections can happen fast.

✅ Challenge Wage Garnishments With Legal Help

You have a right to contest a garnishment. You can show financial hardship or prove the debt is inaccurate. We can help with this.

✅ Consider Bankruptcy If You're Buried in Debt

While student loans are difficult to discharge, other debts (credit cards, medical, repos) can be wiped, freeing up money to catch up.

Build a Career That Can Withstand This Crisis

For many people, it’s not just about managing debt — it’s about earning more money in the first place.

That’s why I’ve been speaking out about career alignment:

🚗 Ford Master Technicians make over $150K/year without a college degree. 

💻 IT Security Analysts can earn six figures with certifications and no four-year diploma. 

🔧 Union HVAC Techs and Electricians are in high demand, recession-proof, and debt-free.

If you’re stuck, don’t just look at your debt. Look at your trajectory. The system wasn’t built to support you. You have to build your own value — and the world will pay for it.

What My Office Can Do for You

We’re already helping people just like you prepare for the storm:

🛡️ Student Loan Legal Review & Dispute Help

• Review repayment options

• Submit for IDR or forbearance

• Fight wrongful garnishments

🛡️ Wage Garnishment Defense

• File objections and hardship claims

• Negotiate settlements or suspensions

• Stop unauthorized collections

🛡️ Tax Refund Seizure Defense

• Recover portions of refund

• Dispute overpayments

• Apply for hardship-based relief

🛡️ Chapter 7 & 13 Bankruptcy Filing

• Eliminate credit card and personal debt

• Free up income for student loan payments

• Protect your assets from collections

📞 Free Legal Consultation

No pressure. Just straight answers. Bring your loan docs or collections letters and we’ll walk you through your options.

📍 Contact The Law Offices of Omar Zambrano

• 📞 Call or Text Now: (626) 338-5505 

• 🌐 Visit: www.omarzambrano.com 

• 📱 WhatsApp: +1-626-550-7071 

📍 Office: 12738 Ramona Blvd, Baldwin Park, CA 91706 

Final Thoughts

The student loan trap was always designed to be sticky — but now it’s turning deadly for working-class Americans.

The government gave everyone a grace period during the pandemic. But now that time is up. And the machine has been restarted.

Millions will lose wages, refunds, and sleep because of a system they never fully understood — and one that never gave them a fair chance.

But you’re not powerless.

With the right knowledge, the right career path, and the right legal defense, you can stay ahead of this wave.

Let us help you. Before your next paycheck disappears.

Helping 10,000 Families Become Debt-Free in 2025

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