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***IMPORTANT SBA COVID EIDL UPDATE***
Treasury cannot return COVID EIDL or COVID PPP loan debts back to the Small Business Administration. We are aware that there may be misinformation online falsely suggesting that Treasury may return these debts to SBA, please refer to our online resources for reliable information.
As of September 2025, SBA started referring delinquent COVID EIDL debts to the Bureau of the Fiscal Service’s Cross-Servicing program. Once referred, it may take up to 21 days for a demand letter to be mailed to you. To make a payment, please follow the instructions provided in the letter sent to you by Fiscal Service or a Private Collection Agency.
The Bureau of Fiscal Service cannot help with debts being serviced at a Private Collection Agency. If you have questions about a debt being serviced at a Private Collection Agency, please review your demand letter for contact information for that Private Collection Agency.
Loans in default remain eligible for offset through the Treasury Offset Program.
Many questions about the Cross-Servicing program can be answered through the resources on our website listed below. If you still have questions, please use the contact information provided on this page.
- General questions about dealing with your overdue debt referred to the Cross-Servicing program for collection.
- Options for making a payment
- General questions if your wages are being garnished (money is being held back from your pay)
Contact information for debtors:
For questions about a debt referred to Fiscal Service's Cross-Servicing program for collection, please contact the Cross Servicing Call Center between 7:30am – 5:30pm (Central Time), Monday to Friday for English. Spanish-speaking agents are available from 8:30am to 11:30am and 12:30pm to 3:30pm (Central Time).
- Cross-Servicing Call Center: 1-800-289-7388
- International callers: Consult our International Calls Phone List.
- For hearing impaired callers, Telecommunications Relay Service: 711
You can send written correspondence to:
- U.S. Department of the Treasury
P.O. Box 830794
Birmingham, AL, 35283-0794
Fax: (855) 292-9700
For questions about a wage garnishment being conducted through the Cross-Servicing program, contact:
- AWGQuestions@fiscal.treasury.gov
- U.S. Department of the Treasury
P.O. Box 830794
Birmingham, AL, 35283-0794
For third-party authorizations:
If you want to correspond with Fiscal Service on behalf of a debtor, you must have authorization, such as a power of attorney or a completed authorization form.
Contact information for employers:
For questions about wage garnishment:
- 888-826-3127
- For hearing impaired callers, Telecommunications Relay Service: 711
- AWGQuestions@fiscal.treasury.gov
- U.S. Department of the Treasury
P.O. Box 830794
Birmingham, AL, 35283-0794
Contact information for federal agencies:
For more information about Cross-Servicing and the Cross-Servicing Debt Collection System, including help with referrals, Agency Profile Form updates, and report questions, federal agency personnel may contact the Cross-Servicing Agency Liaisons between 7:00 AM – 4:00PM Central Time (CT) Monday – Thursday and 7:00 AM – 3:00PM CT on Friday:
- 1-800-858-0725
- For hearing impaired (TDD), Telecommunications Relay Service: 711
Agencies can submit a support request or question to our debt management agency liaisons.
For information about wage garnishment:
- 1-888-826-3127
- For hearing impaired (TDD), Telecommunications Relay Service: 711
- AWGQuestions@fiscal.treasury.gov
- U.S. Department of the Treasury
P.O. Box 830794
Birmingham, AL, 35283-0794