I did all that, I’m telling you IT DOESN’T matter.

I filled out all their paperwork, with legit figures that I could prove. I had my friend who is a very good attorney, help me with everything.

End of the story is, they can do what they want when they want, they changed the laws to make it so they can garnish your wages anytime they want, and you can’t do anything about it. They don’t have to go to court, they don’t have to file any legal paperwork, they can just do it.

um YES – THAT IS what I just tried to tell you. They can and will do what they want so it’s in your best interest to work with them! I’m not going to argue this with you.. you clearly think you’ve been wronged but with some of your comments, I think you may have done some of the wrongdoing yourself. You still have the attitude that it’s “them” and not you. You took out the loan did you not? You do have some culpability in this. Stop laying blame on them.

No, they are not nice about things.. get over it. You need to pay your bill or work something out with them.. which it seems you did neither. It does matter and they will work with people. Maybe not people who are continually delinquent or refuse to pay etc. People who are willing to work it out will find there are a lot of options. I speak from experience.

ummm, I never said they were at fault, I was simply saying that they do not have to follow the rules that other creditors have to. Now, I was wronged by them, but that’s another story, I was outright lied to by their collection agency.

I took my medicine on this a long time ago. There are extenuating circumstances that I don’t care to go into here, BUT I have had a terrible 5 years or so financially, and the money wasn’t there to pay them, but I’m dealing with it.

You really need to get over yourself, and your insulting of other people. We all do things we regret, and we all do things that maybe we should have handled differently. I really would, however, like to know where I said that it was their fault and not mine?

It’s my debt, and it will be paid off in the next couple of months, and I will be very glad when it is paid off.

I was simply trying to warn others that they can and will garnish your paychecks and do not have to go to court to do so. And they can do it with you making their ridiculous “voluntary” payments. Been there done that.