A collection Agency called Pioneer Credit Recovery contacted me at work and informed me that my student loan had been sold to them. I agreed to make a payment plan, since its my debt and its the right thing to do to pay it. However at the end of the phone call Tanya informed me that in order to have this payment plan I needed to make a payment of two thousand dollers first. I do not have that kind of money, and I told her this, and she put me on with a manager who told me to ask family, or to sell things. Then they told me I had until the end of that day to make the payment or they would garnish my salery. Which they are now, and I want to know if they can seize my tax return or if there is a way to keep them from taking my taxes. I desperately need the money to pay bills.