Wage Garnishment Emergency
Your student loan default has triggered an aggressive collection action. You have until noon today to file a Financial Hardship Appeal or lose 65% of your upcoming paycheck to garnishment. The clock is ticking, and your rent is due next week.
Challenges
123
Survivors
5
Popularity
0
Difficulty
B1-B2
Scenario Overview
Your Role
Defaulted borrower working as a junior graphic designer
Conversation Partner
Ms. Blackwood
Setting
Fluorescent-lit cubicle with a flickering monitor, empty coffee cups, and past-due notices scattered across the desk
Location
Home office / Remote work setup
Learning Objectives
Locate and correctly complete Form ED-F-07 within the time limit
Document and prove financial hardship status
Submit appeal package with all required supporting evidence
About This Scenario
Your student loan default has triggered an aggressive collection action. You have until noon today to file a Financial Hardship Appeal or lose 65% of your upcoming paycheck to garnishment. The clock is ticking, and your rent is due next week.
How It Starts
“This is your final notice regarding case #4891-B. The garnishment order is being processed as we speak. You have exactly 3 hours and 42 minutes to submit a valid appeal, or we'll proceed with taking 65% of your wages. Do you have Form ED-F-07 ready?”
This is how Ms. Blackwood's greeting will start.
Practice Details
Scenario ID
#57
Category
General
Location Tag
Home office / Remote work setup
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