398 total votes
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First let me tell you I hate bill collectors,but I created the debt so I cant say much .However, the way this particular company handled my accounts is way over the line in my opinion due to the fact that our own financial statues is unstable. So you see Obama is enacting or implementing this new student loan relief for students and graduates whom are burdened by payments and interests on student loans in January. Taking that into thought as Perception goes I feel like this contracted company for not one account but two are attempting to get the most out of their claim before the big wham on them. That's how I see it. The Collector contracted by the department of education caused financial hardship and malicious intent to cause financial hardship
and mental duress even if they had not intended it.:My perception is..... 1.They call numerous times(my fault put them off)2.When I voluntarily begin to talk to them they have one account so,not liking the idea I set up an agreement with them on this one account.3 I gather all the necessary or required documents fax them and they calculate my total.4 I send them all my bills taking into account I am think they will see that I only make 12.50 and since I am going through a rehab program that maybe a decent deal or payment plan could be agreed upon.5 I was shocked when I was told that I could afford 300 a month for this account and I said can you go any lower I cant pay that on top of Rent,car payment,insurance(mandatory or you cant drive),phone take into thought I am not happy about this but I have no other choice 6. Here is the kicker I need to pay 300 dollars up front so what am I to do. So I say can you give me till payday and I can get you the money.
I am stressed about this cause the person keeps telling me that they don't know when the garnishment letter is going out to my employer where they will get 25% of my wages regardless and pay on this rehabilitation on top of it. At this point I am furious with the idea but I got the 300 dollars and set up payments for the 9 to 12 for rehab so I might get to go back to school I am hoping. Now this is the point were I get mad. After all the threats of taking my wages and making me pay them more money on top of what I can afford How do I pay for things I need just to live this company holds no reserve or compassion at all. Mind you I know I owe it and I filled chapter 13 twice and 7 once trying to recover from bad mistakes and the loss of a job in the past even-though its all not relative just the same i spent time trying and paying on the interest on my student loans during my last 13 installment for 6 years I paid a maintenance agreement without any interruption and I paid in full my 13 and my credits not the best but I cant even get a loan to consolidate these to just make one payment not two. Okay back on tract,so I get another call from the same company and not one person told me I had another account active in this company which I find hard to believe .Different sections or not and after I asked why I keep getting calls this agent says you may have another account and was not willing or kept this information from me but said again well I don't know if that garnishment notice has went out to your employer or not but it could go out any day. So now they are wanting 275 a month and want 275 up front for another rehab program that I must pay and luckily I get another check on the 30 of DEC. This company's timing sucks and as i perceive it to be very fishy and I feel bullied and stressed about it. How I am going to pay everything I owe plus these amounts as well I don't always make a decent paycheck and a part time job well we all know how job hunting goes and I am 41 swm so who'd hire me anyway. Apparently this company thinks they have me well I believe they do unless I win the lottery and pay them off, but if i fall out of the program that starts in January they garnish my wages twice so how fare is that nothings ever fare.How crazy is that can they really put me in poverty just to get there money I haven't even finished school yet and probably never will be a nurse so I will be a CNA till I die wow what a profound moment. They treat me like I am making 4 grand every two weeks wished I did. If Anyone reads this what do you think about it .Oh I pay taxes and they my take my refund to its always a maybe they are not upfront as I see it they are convoluted and translucent.this is why I am voting
Try Legal Aid....they're in phone book and are free. Good Luck...I will pray for you.