Received a call from Navient 's Recovery department on XXXX XXXX, 2015 explaining to me if I did not accept XXXX of XXXX deals by Monday, XXXX XXXX, 2015 they will proceed with filing the paperwork to put a lien on the house and garnish payroll. 
I tried explaining to them that I do not have the money and explained to them what I can pay monthly and they did not want accept. So again the threats continued explaining all assest will have a lien placed on them by Navient if XXXX of the XXXX plans are not accepted. 
We placed the loan on forbearance not understanding what she dummed down for me now, was that the loan would XXXX if we place it on forbearance.