It is smart to never ignore your delinquency or default notices from your loan servicer.
What about my promissory note?
You should always read your promissory note because it is a legal document and once signed it means you are legally responsible to repay your loan according to the terms.
I see. Let me ask another question. How much is the extension if I cannot pay with that 15% of my salary? . Ok, but do you have any advice on how to avoid the garnishment of 15% of my disposable salary?