Collection agency

If anyone is struggling with paying their student loan

I dont know if you SAID it was their fault or not.. you IMPLIED it in a few of your posts.. go back and read! They dont have to follow any rules as they are the Government!! It says that or something to that effect in your contractual agreement! Of course they are different! Credit card companies vs. Government – TWO different things. You were wronged by them, we know – you need to get over it.

Before you start telling me to get over myself maybe you should take your own advice! I’m not insulting anyone. I, initially was trying to help, but you continually repeat that THEY have WRONGED you and so on. Maybe you should take some ownership and get over it! I’ve talked to several people over the years who’ve had trouble paying on their student loans and not once has anyone mentioned the things you have talked about and suggested. I think your “warnings” are not well founded. The “ridiculous voluntary payments” you mention I have never seen myself nor have I heard of others encountering them so what makes me so wrong for questioning you and where you base this?

As far as them using a “collection agency” I’ve not seen that either. Maybe when you are seriously into default they use that but they’ve worked with us and others I know so before you start telling me to get over myself maybe you should think and realize that others may not have gone thru the experience you have and that does’nt make them wrong nor does it make you an authority, expert, or right! There are two sides to everything but you would have everyone believe that only your side is the real side or the correct side.

If anyone on this list is struggling with paying their student loan I urge them to immediately call and make arrangements and work with whoever you have to. They will work with you!! They will go thru alot BEFORE they ever get to the point of just garnishing your wages etc. There is ample warning and opportunities to resolve things it never even needs to get to this. Stop trying to ‘scare’ or ‘warn’ everyone. There is nothing to be scared of or warned about. Just pay your loan and if you cant call and make arrangements and go from there. They are not ridiculous and unreasonable like you are trying to make them out to be.. maybe they are when you continually default.. but if you cant make payment and need help they can help and have alot of options and if anyone does’nt believe me then just research your bill… call them up, go on line etc. And next time consider applying for installment loan up to $5k from 5000LoanHelp – their repayment plan is steady and consistent.

My spouse went to income sensitive payments all by going online and using fax. It is that easy so stop trying to trying to tell people its not and be all gloom and doom. If anyone is in a bad situation credit and payment wise buring your head in the sand will not ever solve the problem nor will laying blame elsewhere. Just get up, pick up the phone, go online or do something and start making arrangements and plans. Some of them may not be to your liking and some may not even be doable according to your budget but ignoring it wont get you anywhere and thats all I’ve been saying thru this whole pointless conversation.

Now, I was wronged by them, but that’s another story, I was outright lied to by their collection agency.

Re: Creditor calling co-workers

I don’t know if this will help anyone but I had to send some things back in May and June that I normally would send certified with a return receipt but I was strapped for cash so while at the post office I discussed it with them. They said it really is’nt as necessary any longer to get a return receipt because you can go online to www.usps.com and track it there and when its delivered you can print out that page for your records which shows the date and time of delivery to the address etc.

They told me they feel that it would be enough to satisfy the courts so I took them at their word lol and only sent my mail certified and saed myself over 2.00 per letter then I went on to their website and set it up to be notified when my letters were delivered(one of them was for a refund check but the other two involved credit and debt issues)and when I was notified and I printed those pages out.

It seemed to work fine. We did’nt discuss PO boxes tho, all items I sent EXCEPT for the refund were going to physical addresses. The refund check was going to a PO Box and I could’nt detect anything different. I guess it would depend on if whoever you are dealing with would want to challenge the USPS with regards to their delivery kwim?

Creditor calling co-workers

There is a woman who is calling me from “account services”. I am unclear whether she is from a credit card company or collection agency. I spoke with her a couple of times, and she said that she is not trying to collect, she was calling to find out my intentions. I’ve explained that there is NO MONEY to pay anything right now, and actually I have reached the point where bankruptcy is a reality for me.

If she can’t reach me at my work number, she starts call my co-works by changing the variation of my work number slightly. She leaves messages for me on their voicemail. Is this legal?

I have returned her calls, left her messages. I left her another message today, strong asking that she no longer call my co-workers, as it is jeopardizing my job, and to call me only at home from now on. I requested this under the FTC rights. I also requested that she leave me an address if she calls, so I can make this request in writing, but I don’t know if she will.

Is she required to stop calling my at work, or at least call my co-workers, if I make the request verbally?

Nope. You must do so in writing and you must have proof they received, it. So get a real address, not a PO, and send them a letter, return-receipt requested, stating they are no longer allowed to contact you at work.

Once you have proof that they received the letter and she calls, get her full name, then use it when you tell them that they are in violation of federal law and she will personally be named a co-defendant. Then demand to speak to her supervisor, which you probably will not really do, she will just pass the phone to one of her co-workers sitting next her. Get their full name also, and repeat the same message.

At this point, keep a log of every phone call, what number was dialed, date and time of the call. If you get them back on the phone, tell them you are contacting a lawyer about suing them.

The woman that is calling you from account services is a collector with the 3rd party collection agency called Account Services. Their staff is known for being complete morons and for failing to follow the FDCPA. When she asks you for your intensions, she is calling to collect on whatever debt obligation it is. IF you have told her there is no money, that doesn’t really mean anything to the collector, everybody says that. If you would like to stop the calls, do this: write a letter that request that they cease and desist all communication with you, both in writing and by phone.

You can fax the letter to them or email it. The law says it must be sent via certified mail with return receipt confirmation. As long as they get it, that is what is important. Collectors calling coworkers by changing the last digits of a # is a very common tactic.

Verbal requests, as stated in the FDCPA are allowable and usually adhered to, but the collectors at Account Services do not always follow the strictest interpretation of the law. You do not need to file bankruptcy yet, what state do you live in, there might be other options.