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You asked: "How can I be past due, when my check is being garnished every two weeks?"
The answer is that a garnishment can at most yield 25% of your gross pay.
If that 25% is less than what you would normally be obligated to pay per the contract, then you would be in default.
Also, if you were in default and owed a lot in arrears, then you would not have cured the default until all arrears are paid.
So, a garnishment does not guarantee that you'll be out of default.
With regard to your account history, if they aren't showing all payments, you should contact their attorney (not Sallie Mae) and ask for an accounting.
When you say that you overpaid, do you mean that you paid more than what you owed, or just that you paid more than you think you should have paid for a particular installment?
In other words, are you saying that the judgment is paid off?
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Y es, I overpaid, Sallie Mae, outstanding balance is $8,105.30, I stated early that Sallie Mae has a grand total of $9,795, yes the Attoney has been contacted (2) by phone, e-mail. Sallie Mae are still showing missing payments, I have paperwork to show the correct amount, which I had already provoded, (pay studs, cancel checks). Everything is in black & white, Sallie Mae was correcting the errors when Sentor BarBara Mikulski came on the seen, now it has stop, it has been 4 1\2 week.
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