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Received warning letter

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Joined: 09/August/2017
Location: NovaScotia
Points: 2
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    Posted: 09/August/2017 at 9:33am
I received a letter yesterday stating I had 15 days to respond or be sued or have my wages garnished.
I have yet to call them. In the past they have been completely unwilling to work with me on payments.
The Federal portion is $10K. I only work seasonally, have 2 children to support. The loan was originally taken out in 2011.

How do I respond to them?
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