A collection agency has taken over my delinquent [removed by Avvo] loan and is now threatening to garnish my wages. Can they in fact do that? How can i prevent it?yes this is my question my mother had a student loan in the 80's it went into default the IRS took her income tax until the debt was settle. now in 2008 a collection agency acting on behalf of the department of education has sent a letter not a court order to my mother's job requesting to garnish my mothers pay. This collection agency sent my mother a letter demanding she pay or prove she doesn't own it. they said she had 30days to respond they didn't allow her 30days because they started taking money out of her payroll and her job allowed it. my question is this wouldn't this collection agency acting on behalf of the department of education have to sue my mother and win and then have a court order sent to her job stating that they are allowed to garnish her payroll?