Partner with an experienced advocate to help you navigate the process with clarity, strategy, and confidence.
Connect With Your Advocate
We help you navigate the Bureau of the Fiscal Service’s wage garnishment hearing process — reviewing your case, preparing strong objections, and advocating for you every step of the way. This hearing is designed to determine whether the debt and/or the amount are valid and whether financial hardship may apply.
We guide you through the process of requesting a suspension of wage garnishment based on qualifying employment circumstances. Our team helps you complete the necessary documentation and ensures your request is presented clearly and effectively.
If the Bureau of the Fiscal Service delays your hearing decision beyond 60 days, we help you prepare a formal inquiry to your Senator or Representative. This step ensures your case receives attention and reinforces your right to a timely decision.
We help you explore available repayment options within the Bureau of the Fiscal Service’s guidelines. While federal parameters are limited, we can advocate on your behalf to pursue arrangements that reflect your current financial situation.
Some things money can’t buy — like having someone who truly sees you. We provide steady, honest guidance as you face federal debt challenges and hard decisions. And we’re here to help you every step of the way.
A 45–60-minute session with your advocate to walk through your debt situation, explore options, and map out next steps — without the need for a full document review.
We offer Service packages and Optional add on services
Document Review
In-depth review of documents & Bureau of the Fiscal Service letters
Assessment of debt validity and payment status
Professional summary of findings
Coaching Session
45–60 minute strategy session with your advocate
Walkthrough of your debt type, options, and next steps
No document review included
Full Hearing Prep
Includes Document Review and Coaching Session
Drafts hearing request and outlines hardship argument
Includes client-facing prep materials
Option to add correspondence service
We offer service packages and optional add-on services.
Document Review
In-depth review of documents & Bureau of the Fiscal Service letters
Assessment of debt validity and payment status
Professional summary of findings
Coaching Session
45–60 minute strategy session with your advocate
Walkthrough of your debt type, options, and next steps
Document review services are excluded
Full Hearing Prep
Includes Document Review and Coaching Session
Drafts hearing request and outlines hardship argument
Includes client-facing prep materials
Option to add correspondence service
Jay serves as the first point of contact for individuals navigating the overwhelming process of federal debt and wage garnishment by the Bureau of the Fiscal Service. As the forward-facing advocate at SBA & Federal Debt Advisory Services, he brings a calm, grounded presence to every conversation — offering clarity, compassion, and direction when it’s needed most.
For nearly a decade, Jay has worked alongside our team, developing a deep familiarity with the Bureau of the Fiscal Service’s collection process, non-tax federal debt systems, and the challenges facing borrowers with SBA loans in collections. He’s helped shape the very guidance we now offer to clients and plays an essential role in delivering that support every day.
Backed by years of experience managing teams and solving complex problems in high-pressure environments, Jay knows how to listen, simplify the next steps, and ensure that every client feels seen and supported. Whether you’ve just received a garnishment notice or aren’t sure who to trust, Jay is here to help you steady the course and take the next right step forward.
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We envision a world where individuals are no longer intimidated by federal debt collection, but equipped to respond, challenge, and resolve it with clarity and dignity. We aim to shift the balance — from fear and silence to informed, strategic action.
We provide expert support for those contacted by the Bureau of the Fiscal Service, Private Collection Agencies, or other federal entities — using clear strategy and deep understanding of the process to ensure no one faces this challenge alone or uninformed.
Whether you’re seeking clarity, strategy, or solutions—I’m here to help guide you every step of the way.
Take a moment to fill out the quick form below — it helps me understand your situation and figure out the best way to support you. The more I know, the better I can guide you through the next steps and make this process feel more manageable.
Connect With Your Advocate💡 Your details stay private. I only use this info to better support you.
You can also contact me at YourAdvocate@nontaxdebthelp.com
