I am in default for a person loan I recieved when I was going to school. I have attempted to make monthly payments on several occasions and have been told that they will not accept a small payment at this time. I cannot afford the large payment of 550. per month that they are requesting and now they are attempting to garnish the wages of my cosigner. Can they legally refuse my payment of 150.00 per month (which i also included I would be paying more as my financial situation improved) and garnish my cosigner? Wouldn't they initially have to come after my wages?