You can definitely challenge the garnishment if it causes financial hardship to you or your family members. He's right, you'll have to be prepared to show proof of your hardship situation. When providing documents they will have to see monthly and annual income and on top of that, you'll have to provide them your household expenses (Bills and such).
Remember they will consider cable, time shares, and credit cards as luxury expense so be prepared to show them only your necessities Here are the possible out comes 1) they will suspend garnishment for 6 months 2) they will reduce your garnishment amount 3) they will calculate a voluntary payment amount you could pay 4) They will deny your appeal 5) they will ask you to make payments on top of the garnishment My motto is (Its sounds cliche but please bare with me) DYS which stands for...do it your self! There is nothing that a debt servicing company can do, that you cant already do on your own Do your own research... freestudentloanstuff.com.
I cant really gove you an answer,but what I can give you is a way to a solution, that is you have to find the anglde that you relate to or peaks your interest. A good paper is one that people get drawn into because it reaches them ln some way.As for me WW11 to me, I think of the holocaust and the effect it had on the survivors, their families and those who stood by and did nothing until it was too late.