SBA & Federal Debt Advisory Services Publishes Guide To Federal Debt Collection

SBA & Federal Debt Advisory Services has just released a plain‑language guide for borrowers facing federal collection of SBA loans, especially once the debt is at Treasury/Bureau of the Fiscal Service.

Key points from the new guide

• SBA disaster and other SBA‑backed loans generally have no traditional statute of limitations for administrative collection once referred to Treasury, so offset and wage garnishment can continue indefinitely until resolved.

• After referral to the Bureau of the Fiscal Service, collection proceeds through administrative tools rather than court judgments and standard civil limitations periods.

• The guide explains how the Treasury Offset Program (TOP) can seize certain federal payments (e.g., tax refunds, some Title II Social Security), while excluding Supplemental Security Income by rule.

• Administrative Wage Garnishment can take up to 15% of disposable pay, after notice and a chance to request a hearing on existence, amount, or hardship.

• The publication walks consumers through: requesting proof of debt, identifying/disputing inaccuracies, preparing a garnishment hearing request, and documenting income/expenses for payment plans or compromise review.

• The authors emphasize that delay rarely helps; using available rights early can correct errors and improve the chances of a sustainable resolution.

Where to find it

• The press release directs borrowers to a specific landing page on nontaxdebthelp.com for the federal debt collection/SBA disaster loan statute‑of‑limitations guide and related resources.

• SBA & Federal Debt Advisory Services positions itself as an advocacy/consulting firm for individuals dealing with federal nontax debt (including SBA loans) at Treasury.