| Posts by SOAPLADY |
| Posting date
| Subject
|
| Posted: Tue Jul 1 5:07:40 2008 |
Chart with new rates .. |
| Posted: Sun Jun 29 17:17:48 2008 |
There is not much the counselors can do for you. .. |
| Posted: Sun Jun 29 17:05:59 2008 |
You dont need to deal with a counselor for .. |
| Posted: Sat Jun 28 19:45:13 2008 |
It sounds like you defaulted on the loan in 2000 .. |
| Posted: Thu Jun 26 16:05:45 2008 |
Once the 9 payments are done, then the guarantor, .. |
| Posted: Tue Jun 24 18:01:32 2008 |
Either do the rehab or consolidate with Direct .. |
| Posted: Fri Jun 20 6:30:38 2008 |
They have no obligation to validate a debt once .. |
| Posted: Thu Jun 19 11:40:45 2008 |
Multiple garnishments can be done at one time .. |
| Posted: Thu Jun 19 5:25:15 2008 |
Could you explain your question a little bit more .. |
| Posted: Wed Jun 18 6:24:33 2008 |
13 violations is still only get you $1000 unless .. |
| Posted: Wed Jun 18 6:21:52 2008 |
Did anyone else notice that this is for BACK .. |
| Posted: Mon Jun 16 7:54:39 2008 |
This sounds like a UK debt. You would probably .. |
| Posted: Mon Jun 16 7:47:51 2008 |
There are very few options for refinancing .. |
| Posted: Mon Jun 16 7:45:44 2008 |
Was this a federal or private loan With federal .. |
| Posted: Mon Jun 16 6:23:03 2008 |
Personally I would not be paying any outside .. |
| Posted: Mon Jun 16 5:59:52 2008 |
The actual collection agency can be located .. |
| Posted: Sun Jun 15 16:55:31 2008 |
Technically no. They are not capable of doing .. |
| Posted: Fri Jun 13 21:33:17 2008 |
The six months of payments is referring to rehab. .. |
| Posted: Thu Jun 12 12:09:30 2008 |
They are not going to want to wait, nor should .. |
| Posted: Thu Jun 12 10:54:09 2008 |
To avoid garnishment, you will need to start .. |
| Posted: Wed Jun 11 17:08:10 2008 |
You cannot do this over the phone....it has .. |
| Posted: Wed Jun 11 12:16:27 2008 |
No...the account will just be shuffled to another .. |
| Posted: Wed Jun 11 8:52:41 2008 |
What school are you .. |
| Posted: Wed Jun 11 8:40:44 2008 |
GHS is handing you a line of BS. Debt settlement .. |
| Posted: Mon Jun 9 18:42:43 2008 |
You got a pre garnishment notice, not an official .. |
| Posted: Mon Jun 9 10:59:39 2008 |
You said you had 3 days to respond to their .. |
| Posted: Mon Jun 9 9:06:56 2008 |
I think it would be a waste of time and server .. |
| Posted: Mon Jun 9 8:13:18 2008 |
Counsel will not be able to do anything for him .. |
| Posted: Mon Jun 9 7:48:35 2008 |
For starters, you do not have time to write, not .. |
| Posted: Sun Jun 8 17:42:19 2008 |
Student loans are NEVER sold to third .. |
| Posted: Sun Jun 8 17:34:25 2008 |
Perkins loans take 280 days of non payment to .. |
| Posted: Tue Jun 3 17:36:39 2008 |
For starters, you cannot call them with an .. |
| Posted: Tue Jun 3 4:59:17 2008 |
Debt collectors will never disappear....there .. |
| Posted: Tue Jun 3 4:49:38 2008 |
Until payments start, the calls will continue. .. |
| Posted: Tue Jun 3 4:40:26 2008 |
The key phrase here is "They say the can set .. |
| Posted: Fri May 30 14:13:27 2008 |
I also agree with Cajun. These debts have been .. |
| Posted: Fri May 30 14:09:39 2008 |
If Amber left you a message with that wording, I .. |
| Posted: Fri May 30 14:06:56 2008 |
What state are you in.....the debt could already .. |
| Posted: Thu May 29 6:10:56 2008 |
Basically an urban legend. Just opening it does .. |
| Posted: Thu May 29 5:55:32 2008 |
I think the key word here is "tax" .. |
| Posted: Wed May 28 15:04:58 2008 |
Total scam. They may teach you how to .. |
| Posted: Wed May 28 9:54:30 2008 |
You buy a house and watch your settlement .. |
| Posted: Wed May 28 4:45:07 2008 |
If you quit, not only does the judgement not get .. |
| Posted: Wed May 28 4:42:09 2008 |
SOL for written contracts which credit cards come .. |
| Posted: Wed May 28 4:37:52 2008 |
You have an old loan that has fallen off your .. |
| Posted: Sun May 25 12:55:45 2008 |
Even though you have sent the payment .. |
| Posted: Sun May 25 12:41:22 2008 |
Allied is NOT just a junk debt buyer. They .. |
| Posted: Sat May 24 18:55:52 2008 |
Ok ....few questions.
Did you officially .. |
| Posted: Fri May 23 14:24:44 2008 |
Something is not right. Edfund and the DOE are .. |
| Posted: Fri May 23 10:13:41 2008 |
Think you are barking up the wrong tree! This .. |
| Posted: Fri May 23 8:45:28 2008 |
Ok....who did you attempt to consolidate thru .. |
| Posted: Fri May 23 8:27:13 2008 |
Moving to the student loan .. |
| Posted: Tue May 20 9:50:57 2008 |
OSI is hired as a contingency CA...they are .. |
| Posted: Tue May 20 6:23:54 2008 |
You have been told not to talk them. However .. |
| Posted: Mon May 19 5:10:00 2008 |
Legal calling time is 8am to 9pm your local time. .. |
| Posted: Thu May 15 6:45:13 2008 |
No, not mail fraud at all. A lot of companies .. |
| Posted: Wed May 14 5:24:54 2008 |
You really need to be asking Key Bank, not us. .. |
| Posted: Wed May 14 5:17:05 2008 |
You say you "was" in default and that .. |
| Posted: Tue May 13 4:53:28 2008 |
Ok...we have two types of loans, private and .. |
| Posted: Mon May 12 14:01:09 2008 |
Unfortunately, those were the terms you sign for .. |
| Posted: Mon May 12 10:30:21 2008 |
Nope. Collecting debt and practicing law .. |
| Posted: Mon May 12 10:06:02 2008 |
Private loans will not renegotiate the terms of .. |
| Posted: Sun May 11 15:23:02 2008 |
Once you default on a loan, all deferment and .. |
| Posted: Thu May 8 5:58:20 2008 |
You are looking for answers in the wrong place. .. |
| Posted: Thu May 8 5:55:22 2008 |
Yup, this is considered federal debt. No SOL .. |
| Posted: Mon May 5 4:26:07 2008 |
Generally the answer is no. In contingency .. |
| Posted: Sun May 4 16:53:20 2008 |
Defaults are not eligible for forebearances .. |
| Posted: Sat May 3 10:26:28 2008 |
Student loan guarnishments are 15% of .. |
| Posted: Fri May 2 5:32:22 2008 |
Make sure that you do continue to pay or they .. |
| Posted: Thu May 1 10:59:42 2008 |
Texas guaranteed always has the option of using .. |
| Posted: Tue Apr 29 14:42:28 2008 |
If your tax returned was seized, your stimulus .. |
| Posted: Fri Apr 25 5:36:33 2008 |
The CU is the original creditor and is not .. |
| Posted: Thu Apr 24 5:45:37 2008 |
I just posted a sticky with the public service .. |
| Posted: Thu Apr 24 5:44:06 2008 |
Public Service Loan Forgiveness .. |
| Posted: Tue Apr 22 21:36:54 2008 |
Yup. Student loans will hit you twice legally .. |
| Posted: Sat Apr 19 11:55:19 2008 |
Only if they threaten to sue you after you have .. |
| Posted: Sat Apr 19 5:41:30 2008 |
Personally, I think it is time for Wyatt to find .. |
| Posted: Fri Apr 18 13:20:19 2008 |
Your $50 payment is not even covering your .. |
| Posted: Fri Apr 18 13:13:27 2008 |
Hard to say without more information.
You .. |
| Posted: Wed Apr 16 10:32:07 2008 |
They can most definately go after your co-signor. .. |
| Posted: Tue Apr 15 16:51:20 2008 |
It is almost next to impossible to have student .. |
| Posted: Tue Apr 15 7:06:18 2008 |
Paying rent, utilities, payroll expenses are .. |
| Posted: Sun Apr 13 18:39:16 2008 |
I agree that they are offering up a pile of BS .. |
| Posted: Sun Apr 13 18:05:51 2008 |
The FDCPA states that if you are represented by .. |
| Posted: Sun Apr 13 8:50:43 2008 |
Wow....didnt even notice this until this .. |
| Posted: Sun Apr 13 8:43:54 2008 |
And student loans too. Admin garnishment is .. |
| Posted: Sat Apr 12 15:03:42 2008 |
You are sent a 30 garnishment notice prior .. |
| Posted: Sat Apr 12 11:15:32 2008 |
Alled Interestate in Minneapolis pretty well only .. |
| Posted: Sat Apr 12 7:21:12 2008 |
For starters, tell them NOT to call you at work. .. |
| Posted: Sat Apr 12 7:10:11 2008 |
Defaulted student loans end up being a double .. |
| Posted: Thu Apr 10 7:04:30 2008 |
AI handles defaulted student loans and they .. |
| Posted: Thu Apr 10 7:01:35 2008 |
You must rehab the loan first. It will take 9-12 .. |
| Posted: Thu Apr 10 6:59:17 2008 |
It very difficult for someone give you a straight .. |
| Posted: Wed Apr 9 10:35:27 2008 |
In order to stop tax offsets, you need to .. |
| Posted: Wed Apr 9 7:32:39 2008 |
You can also file a charge back with your bank, .. |
| Posted: Thu Apr 3 7:40:21 2008 |
Providian is owned by Washington .. |
| Posted: Thu Apr 3 7:37:11 2008 |
Having a loan cancelled under total and permanent .. |
| Posted: Thu Apr 3 7:33:19 2008 |
http://www.finaid.org/loans/ibr.phtml
The .. |
| Posted: Wed Apr 2 22:17:55 2008 |
All Federal student loans can garnish it the .. |
| Posted: Wed Apr 2 8:52:07 2008 |
This is totally backwards. You have to rehab .. |
| Posted: Wed Apr 2 8:32:19 2008 |
Some schools do require that you not have any .. |
| Posted: Sat Mar 29 12:13:29 2008 |
A paralegal is not a lawyer in law school. Being .. |
| Posted: Sat Mar 29 8:41:00 2008 |
There is NO negotiating on interest rates on .. |
| Posted: Fri Mar 28 14:33:24 2008 |
I can assure you that you DO NOT accrue .. |
| Posted: Thu Mar 27 15:59:43 2008 |
You can send the a C&D letter demanding they .. |
| Posted: Wed Mar 26 7:17:29 2008 |
This has to be a clerical error. If you borrowed .. |
| Posted: Wed Mar 26 7:14:52 2008 |
Your score could still end up tanking pretty .. |
| Posted: Mon Mar 24 7:34:05 2008 |
Creditors, collection agencies collecting on a .. |
| Posted: Mon Mar 24 7:01:54 2008 |
Nope. Admin wage garnishment can be done .. |
| Posted: Mon Mar 24 6:52:13 2008 |
Running just basic calculations with your .. |
| Posted: Sat Mar 22 7:23:21 2008 |
OSI works as a contractor for several states. It .. |
| Posted: Sat Mar 22 7:18:03 2008 |
Yes. However credit wise you would be better off .. |
| Posted: Sat Mar 22 7:17:02 2008 |
Skydivr....student loans, federal ones at least, .. |
| Posted: Tue Mar 18 7:30:37 2008 |
They can either consolidate or rehab the loans to .. |
| Posted: Tue Mar 18 7:29:00 2008 |
At the top of this forum is a sticky with all .. |
| Posted: Wed Mar 12 8:01:45 2008 |
Disposable wages is defined as your income .. |
| Posted: Mon Mar 10 17:08:10 2008 |
Sounds like a private student loan...they .. |
| Posted: Fri Mar 7 11:26:13 2008 |
When a default is assigned to collections with .. |
| Posted: Fri Mar 7 11:08:28 2008 |
FYI...on the student loan offset. Liens amounts .. |
| Posted: Fri Mar 7 10:55:49 2008 |
Did you enroll in a school and then not pay .. |
| Posted: Fri Mar 7 10:40:52 2008 |
This statement is oh so wrong! Legally the .. |
| Posted: Fri Mar 7 7:12:19 2008 |
If you are dealing with a CA, you are already in .. |
| Posted: Thu Mar 6 7:31:41 2008 |
I googled the number and this is Sates .. |
| Posted: Thu Mar 6 7:28:23 2008 |
I agree that they have broken the law. The FDCPA .. |
| Posted: Mon Mar 3 16:53:11 2008 |
Sounds like you were taking to a new or .. |
| Posted: Sat Mar 1 19:23:25 2008 |
UCB does a lot of 3rd party contingency .. |
| Posted: Sat Mar 1 19:18:19 2008 |
Only the Perkins loan will be at your .. |
| Posted: Sat Mar 1 7:35:38 2008 |
If you are paying Citi directly on that one loan, .. |
| Posted: Sat Mar 1 7:27:44 2008 |
They cannot cancel student loans unless you .. |
| Posted: Thu Feb 28 7:31:20 2008 |
Student loan garnishments are only 15% of net .. |
| Posted: Tue Feb 26 4:54:20 2008 |
In some states yes and in some states no. Google .. |
| Posted: Mon Feb 25 13:17:21 2008 |
Nope. You cannot C&D an OC...the FDCPA does .. |
| Posted: Mon Feb 25 9:02:38 2008 |
Every bankruptcy case is different with different .. |
| Posted: Mon Feb 25 4:49:47 2008 |
Reply to the court and the attorney with any .. |
| Posted: Sun Feb 24 17:42:06 2008 |
Did you apply for financial aid to go to .. |
| Posted: Sun Feb 24 17:39:18 2008 |
8am is legal calling time, including .. |
| Posted: Sun Feb 24 9:48:01 2008 |
These were my thoughts exactly. The settlement .. |
| Posted: Fri Feb 22 6:12:15 2008 |
Keep in mind that you will more than likely .. |
| Posted: Fri Feb 22 6:07:45 2008 |
It depends on who is leaving the message. CA's .. |
| Posted: Fri Feb 22 5:50:59 2008 |
Student loans do not follow the same rules as .. |
| Posted: Thu Feb 21 18:00:28 2008 |
Any college that is going to accept a high school .. |
| Posted: Tue Feb 19 6:07:42 2008 |
You could request a pay for delete when .. |
| Posted: Tue Feb 19 6:06:30 2008 |
Under the FDCPA, the CA can make one contact .. |
| Posted: Sun Feb 17 23:14:50 2008 |
You probably would want to find a board that .. |
| Posted: Sun Feb 17 23:10:57 2008 |
First thing you need to do is to ask the .. |
| Posted: Sat Feb 16 13:10:09 2008 |
Was any of this wording included in your divorce .. |
| Posted: Sat Feb 16 12:54:53 2008 |
OK..if this is a personal debt calling the OP, .. |
| Posted: Sat Feb 16 10:36:42 2008 |
Renelle....is AI collecting on a student .. |
| Posted: Sat Feb 16 10:34:23 2008 |
No...FDCPA does not apply the to OC in consumer .. |
| Posted: Sat Feb 16 7:57:17 2008 |
Law Student....
The FDCPA does not apply to .. |
| Posted: Sat Feb 16 7:49:37 2008 |
Tuition accounts generally do not charge .. |
| Posted: Fri Feb 15 4:21:30 2008 |
When you file BK you must list all debts .. |
| Posted: Fri Feb 15 4:18:33 2008 |
Student loans, even private ones are NON .. |
| Posted: Thu Feb 14 10:35:37 2008 |
Student loans do not participate in debt .. |
| Posted: Thu Feb 14 10:27:24 2008 |
You should be good to go since you were in .. |
| Posted: Thu Feb 14 9:41:21 2008 |
Are the debts that they are calling on business .. |
| Posted: Thu Feb 14 9:26:49 2008 |
It is too late for your 2007 return. The liens .. |
| Posted: Thu Feb 14 9:24:30 2008 |
Tax refunds are not to supplement your .. |
| Posted: Wed Feb 13 18:10:57 2008 |
Permanent residency has no bearing on .. |
| Posted: Wed Feb 13 17:54:35 2008 |
The CA is under contract with the school. .. |
| Posted: Wed Feb 13 15:42:30 2008 |
This appears to be a tuition account for a state .. |
| Posted: Tue Feb 12 20:45:20 2008 |
I am pretty sure that interest can and does .. |
| Posted: Tue Feb 12 18:25:04 2008 |
Sorry, but you will not get your tax return back. .. |
| Posted: Fri Feb 8 13:29:35 2008 |
Please do not post unfactual student loan .. |
| Posted: Fri Feb 8 7:13:22 2008 |
We went thru rough times when my hubby lost his .. |
| Posted: Fri Feb 8 7:00:45 2008 |
You are probably a troll but just in case you are .. |
| Posted: Fri Feb 8 6:50:44 2008 |
OSI is not just a junk debt buyer. They hold .. |
| Posted: Wed Feb 6 5:23:34 2008 |
No, it would not be smart. In fact it is .. |
| Posted: Tue Feb 5 20:26:04 2008 |
Most public schools have collection .. |
| Posted: Tue Feb 5 20:16:46 2008 |
Schools hire CA's under contract. That contract .. |
| Posted: Tue Feb 5 15:02:58 2008 |
If this forum had been around when I was .. |
| Posted: Tue Feb 5 15:02:01 2008 |
Now that is funny!!
Just be careful when .. |
| Posted: Tue Feb 5 7:22:45 2008 |
All they have to provide is a copy of a student .. |
| Posted: Tue Feb 5 7:00:22 2008 |
As a general rule, school loan interest rates are .. |
| Posted: Tue Feb 5 6:55:35 2008 |
There generally is no contract when enrolling in .. |
| Posted: Mon Feb 4 20:42:58 2008 |
It is different for student loans and school .. |
| Posted: Mon Feb 4 11:42:09 2008 |
I just spent the last 15 minutes deleting a bunch .. |
| Posted: Mon Feb 4 7:48:29 2008 |
It is not 50% in interest...it is 50% .. |
| Posted: Mon Feb 4 4:52:19 2008 |
They can also track you down via references if .. |
| Posted: Mon Feb 4 4:50:32 2008 |
Most definately. Schools generally are non .. |
| Posted: Sun Feb 3 17:18:04 2008 |
Nobody here is taking money from you....this is a .. |
| Posted: Sun Feb 3 6:53:58 2008 |
I would reject it as well. They need to pay all .. |
| Posted: Sun Feb 3 6:18:01 2008 |
They only send a 1099 if what they settled off of .. |
| Posted: Sun Feb 3 6:05:16 2008 |
Nope. Absolutely not true. Each state has an .. |
| Posted: Sun Feb 3 5:45:43 2008 |
It really depends on if there is a written .. |
| Posted: Sat Feb 2 9:23:10 2008 |
Have you talked to them and told them they have .. |
| Posted: Sat Feb 2 9:15:20 2008 |
Calling at 7am and 10pm is an FDCPA violation and .. |
| Posted: Sat Feb 2 9:13:22 2008 |
Call your lender. Each loan will have different .. |
| Posted: Sat Feb 2 9:11:54 2008 |
Go to your bank and dispute the charge a .. |
| Posted: Sat Feb 2 9:08:54 2008 |
There is no such thing as a "pre-legal" .. |
| Posted: Fri Feb 1 5:56:23 2008 |
Consolidation interest rates are based on a .. |
| Posted: Thu Jan 31 7:08:20 2008 |
Never make a verbal agreenment for a .. |
| Posted: Thu Jan 31 6:58:40 2008 |
They filed suit against you in Virginia and you .. |
| Posted: Thu Jan 31 5:47:04 2008 |
For starters....are these federal loans or .. |
| Posted: Tue Jan 29 12:03:16 2008 |
Well you just made some money!! Get .. |
| Posted: Tue Jan 29 7:34:51 2008 |
Our agency made a point to get those nice letters .. |
| Posted: Tue Jan 29 6:45:54 2008 |
CA can call you at work unless you tell them NOT .. |
| Posted: Tue Jan 29 6:41:39 2008 |
Correct. But the CA's cannot file a lien nor .. |
| Posted: Mon Jan 28 21:38:40 2008 |
Just because a debt is charge off does not mean .. |
| Posted: Mon Jan 28 21:35:09 2008 |
So they are trying to repo the computer
Whose .. |
| Posted: Mon Jan 28 21:23:35 2008 |
Is the CA licensed to collect in your .. |
| Posted: Mon Jan 28 21:17:47 2008 |
When you were injured you should have applied for .. |
| Posted: Mon Jan 28 21:15:36 2008 |
A debt collector can NEVER seize taxes. Only a .. |
| Posted: Mon Jan 28 14:49:58 2008 |
I am definately NOT joking. When I was .. |
| Posted: Mon Jan 28 14:31:07 2008 |
Whoa....I have no idea what you just said or .. |
| Posted: Mon Jan 28 14:20:34 2008 |
Actually when I was collecting, borrowers used to .. |
| Posted: Sun Jan 27 16:02:49 2008 |
Sure he can attempt to collect but he cannot sue .. |
| Posted: Sun Jan 27 15:42:11 2008 |
It could also have been the hospital recalling .. |
| Posted: Sun Jan 27 15:37:33 2008 |
Any time the dialer calls, a message is left or .. |
| Posted: Sat Jan 26 8:28:37 2008 |
Total bunk. A written off account is simply .. |
| Posted: Sat Jan 26 8:22:57 2008 |
You shouldnt have to go thru the CA when the OC .. |
| Posted: Sat Jan 26 4:18:26 2008 |
If you really want peace of mind that a payment .. |
| Posted: Fri Jan 25 8:36:49 2008 |
SOL is calculated from the date the last payment .. |
| Posted: Fri Jan 25 7:02:25 2008 |
All the links are on this page. .. |
| Posted: Fri Jan 25 6:58:50 2008 |
You are NOT stuck. He doesnt live at your phone .. |
| Posted: Thu Jan 24 7:56:52 2008 |
CA's handle accounts on both contingency and .. |
| Posted: Thu Jan 24 7:00:44 2008 |
Financial aid is for school related expenses. .. |
| Posted: Thu Jan 24 6:48:59 2008 |
This is why private student loans are .. |
| Posted: Wed Jan 23 20:45:34 2008 |
Call them first....if your app is somewhere still .. |
| Posted: Wed Jan 23 20:38:55 2008 |
How long ago it you apply I believe you can check .. |
| Posted: Wed Jan 23 20:11:26 2008 |
The Direct Loan program can answer any .. |
| Posted: Wed Jan 23 15:59:41 2008 |
It is very simple to get years and years of .. |
| Posted: Wed Jan 23 13:28:26 2008 |
You will not qualify for this discharge since you .. |
| Posted: Wed Jan 23 10:22:43 2008 |
A lot of programs do not require a high school .. |
| Posted: Mon Jan 21 5:29:34 2008 |
Other importants tips to ponder...
1.Can I .. |
| Posted: Sat Jan 19 20:36:24 2008 |
Depends on the disability and if it got .. |
| Posted: Sat Jan 19 6:53:15 2008 |
Anything waived over $600 will result in a 1099 .. |
| Posted: Sat Jan 19 6:41:26 2008 |
DOD has a CONTRACT with OSI. Like student loans .. |
| Posted: Sat Jan 19 6:28:29 2008 |
I can totally back FYI on this ..... collectors .. |
| Posted: Sat Jan 19 6:08:59 2008 |
On contingency collections, it all comes down to .. |
| Posted: Thu Jan 17 19:17:58 2008 |
That holds true for some agencies but if you are .. |
| Posted: Thu Jan 17 18:15:47 2008 |
Sounds like student loans. OSI's computers .. |
| Posted: Tue Jan 15 12:39:48 2008 |
No you wont have a zero balance for the rest of .. |
| Posted: Sun Jan 13 7:58:00 2008 |
Yes your account is still accuring interest .. |
| Posted: Fri Jan 11 11:46:39 2008 |
Only with student loans are checks safe. The .. |
| Posted: Fri Jan 11 11:02:56 2008 |
Whether you were married when you took the .. |
| Posted: Fri Jan 11 10:22:12 2008 |
As I have already stated, you will get nothing in .. |
| Posted: Fri Jan 11 7:51:47 2008 |
It is very normal to have multiple tradelines .. |
| Posted: Thu Jan 10 14:29:55 2008 |
Correct...this is called .. |
| Posted: Thu Jan 10 13:11:36 2008 |
Get a part time job
Honestly your private .. |
| Posted: Thu Jan 10 13:09:36 2008 |
Again ICR is NOT a payment plan available .. |
| Posted: Thu Jan 10 8:56:23 2008 |
In order to consolidate private loans you really .. |
| Posted: Thu Jan 10 8:53:26 2008 |
Yikes. $94 k in private loans are going to be .. |
| Posted: Wed Jan 9 20:12:20 2008 |
SOL for credit cards is is determined by the .. |
| Posted: Wed Jan 9 20:05:23 2008 |
Is Allied Interstate harassing you over Phone? .. |
| Posted: Wed Jan 9 19:30:25 2008 |
Simply picking a location closest too you will .. |
| Posted: Wed Jan 9 17:25:22 2008 |
Ok.....did they actually "say" they .. |
| Posted: Wed Jan 9 16:59:56 2008 |
I will only comment on the student loans...the .. |
| Posted: Tue Jan 8 7:42:26 2008 |
The OP is not in the US.
It is not likely that .. |
| Posted: Thu Jan 3 9:54:03 2008 |
I actually immigrated NORTH to the US.
I am .. |
| Posted: Thu Jan 3 4:46:36 2008 |
Canada .. |
| Posted: Wed Jan 2 19:25:03 2008 |
I originally came to the US on a student Visa. .. |
| Posted: Wed Jan 2 14:23:18 2008 |
Yup, no SOL on student loans. Federally backed .. |
| Posted: Wed Jan 2 7:40:12 2008 |
CA's are under no obligation to send a monthly .. |
| Posted: Thu Dec 27 8:54:09 2007 |
When I was collecting, we would have training .. |
| Posted: Thu Dec 27 8:51:13 2007 |
Unfortunately, this tactic is not .. |
| Posted: Thu Dec 27 8:44:12 2007 |
Also highly illegal.
ยง 807. False or .. |
| Posted: Thu Dec 27 7:22:26 2007 |
What ACS failed to tell or explain to you is that .. |
| Posted: Wed Dec 26 8:35:48 2007 |
I would definately have a tape recorder ready to .. |
| Posted: Wed Dec 26 8:30:37 2007 |
I have seen them and they are just too scary for .. |
| Posted: Mon Dec 24 3:52:30 2007 |
What is to protect The OP has no debts and .. |
| Posted: Sun Dec 23 8:20:36 2007 |
If you were a half decent collector, who wouldnt .. |
| Posted: Sat Dec 22 17:46:01 2007 |
What you are getting are dialer calls...nothing .. |
| Posted: Fri Dec 21 5:37:40 2007 |
The 7 year rule was eliminated in 1998. .. |
| Posted: Fri Dec 21 5:21:31 2007 |
I plan on making a payment of some sort in March .. |
| Posted: Fri Dec 21 4:48:11 2007 |
Since collectors are calling, I am assuming that .. |
| Posted: Thu Dec 20 6:52:32 2007 |
I am a prodcut of the Canadian educational system .. |
| Posted: Thu Dec 20 4:44:44 2007 |
IMHO, some people spend more time checking under .. |
| Posted: Wed Dec 19 16:06:41 2007 |
Unfortunately, private loans do not offer income .. |
| Posted: Wed Dec 19 13:36:54 2007 |
Did you ever get a paid in full letter Why did .. |
| Posted: Wed Dec 19 7:42:39 2007 |
Have you made any payments on it Did you have .. |
| Posted: Wed Dec 19 6:43:13 2007 |
It depends. Your actual consolidation loan .. |
| Posted: Tue Dec 18 19:55:07 2007 |
A CA is not going to validate a debt after it is .. |
| Posted: Tue Dec 18 19:49:47 2007 |
Quick Collect by Western Union is a collection .. |
| Posted: Sat Dec 15 14:42:57 2007 |
Allied functions as a agent of the US Deptarment .. |
| Posted: Tue Dec 11 19:40:00 2007 |
Oh yes. No SOL on student loans and as such, .. |
| Posted: Tue Dec 11 6:02:27 2007 |
Not yet. After a cease they are permitted one .. |
| Posted: Mon Dec 10 16:23:51 2007 |
They are simply a collection agency. They would .. |
| Posted: Mon Dec 10 16:11:15 2007 |
Student loans do not follow any particular .. |
| Posted: Wed Dec 5 15:29:32 2007 |
Joe...I have read your website on several boards .. |
| Posted: Fri Nov 30 22:01:53 2007 |
So you are simply going to go underground Smart .. |
| Posted: Fri Nov 30 17:21:19 2007 |
In a case like this, I would request a manager .. |
| Posted: Fri Nov 30 17:15:22 2007 |
I would ignore the letter ...it means absolutely .. |
| Posted: Fri Nov 30 15:51:13 2007 |
What type of debt was this This sounds like a .. |
| Posted: Thu Nov 29 15:20:04 2007 |
Sounds like the CA might have screwed up on the .. |
| Posted: Wed Nov 28 13:23:48 2007 |
Well if you defaulted, it most definately should .. |
| Posted: Tue Nov 27 14:49:12 2007 |
Well, whoever you talked to at the DOE is as dumb .. |
| Posted: Sat Nov 24 13:41:59 2007 |
Nope. The will just mark it paid in full. .. |
| Posted: Sat Nov 24 13:37:44 2007 |
A JDB has the right to sue but not the ability. .. |
| Posted: Mon Nov 19 7:24:11 2007 |
Personally I would avoid validation as the CA's .. |
| Posted: Thu Nov 15 22:15:36 2007 |
I totally disagree!! People have more money in .. |
| Posted: Wed Nov 14 18:58:16 2007 |
Paddy...did your sister apply for disability .. |
| Posted: Mon Nov 12 13:09:09 2007 |
How on earth would you "know" that .. |
| Posted: Sun Nov 11 19:44:10 2007 |
Just playing with a interest calculator, a .. |
| Posted: Sun Nov 11 17:20:37 2007 |
For validation, they will simply send you a copy .. |
| Posted: Sun Nov 11 17:18:30 2007 |
A rehab can be done at anytime. You have to .. |
| Posted: Sun Nov 11 14:47:45 2007 |
Luke...I cannot help you. Really nobody can help .. |
| Posted: Sun Nov 11 14:38:02 2007 |
You cannot consolidate while your student loan is .. |
| Posted: Sat Nov 10 22:02:43 2007 |
You need to go back thru UPS first. Threaten .. |
| Posted: Sat Nov 10 8:09:26 2007 |
Luke...I am not a mind reader nor can I say for .. |
| Posted: Fri Nov 9 16:00:53 2007 |
Call and ask the .. |
| Posted: Thu Nov 8 16:42:55 2007 |
Student loans are the exeception to the rule for .. |
| Posted: Thu Nov 8 15:58:57 2007 |
My advise to you Luke is to quit waiting and .. |
| Posted: Thu Nov 8 14:02:18 2007 |
Is this a federal loan consolidation .. |
| Posted: Thu Nov 8 8:09:38 2007 |
Debtcruncher....I am pretty sure what the .. |
| Posted: Wed Nov 7 7:50:29 2007 |
Ok....I have been reading thru this thread and I .. |
| Posted: Tue Nov 6 21:39:47 2007 |
This is not uncommon in credit reporting for Jr's .. |
| Posted: Tue Nov 6 21:26:56 2007 |
Did you actually receive a confirmation that your .. |
| Posted: Mon Nov 5 12:40:14 2007 |
If you dont have recording devices, GET THEM. .. |
| Posted: Sun Nov 4 20:34:37 2007 |
If you are referring to the original creditor .. |
| Posted: Sun Nov 4 12:22:58 2007 |
Personally with a debt that old, I wouldnt bother .. |
| Posted: Sun Nov 4 5:07:32 2007 |
You cannot C&D an OC as the FDCPA does not .. |
| Posted: Wed Oct 31 13:06:07 2007 |
Edfund is a former client of mine.
Student .. |
| Posted: Tue Oct 30 13:01:12 2007 |
$11k is not considered a very big debt load. .. |
| Posted: Tue Oct 30 5:57:26 2007 |
If you have not paid on your student loan in over .. |
| Posted: Mon Oct 29 16:28:58 2007 |
What is your interest rate Is refinancing going .. |
| Posted: Mon Oct 29 9:08:16 2007 |
You would have to get a loan thru a bank. Maybe .. |
| Posted: Mon Oct 29 9:05:51 2007 |
A lot of attorneys have no clue on student loan .. |
| Posted: Mon Oct 29 8:48:14 2007 |
It won't happen. In order to file BK on student .. |
| Posted: Sat Oct 27 13:44:07 2007 |
After googling I found "For most other .. |
| Posted: Fri Oct 26 16:41:44 2007 |
The link to the Direct Loan program is in the .. |
| Posted: Fri Oct 26 16:40:17 2007 |
There are a few companies that consolidate .. |
| Posted: Thu Oct 25 13:58:35 2007 |
Have you done a FAFSA and exhausted all yor .. |
| Posted: Thu Oct 25 13:56:59 2007 |
Validating a student loan is often seen as a .. |
| Posted: Wed Oct 24 12:08:19 2007 |
Are you in default If not, there is no .. |
| Posted: Wed Oct 24 9:54:01 2007 |
I am assuming that it was done on their .. |
| Posted: Tue Oct 23 15:06:51 2007 |
I would highly suggest then that you enter .. |
| Posted: Tue Oct 23 6:26:50 2007 |
Sam!! I didnt realize you were here in the Twin .. |
| Posted: Fri Oct 19 13:04:56 2007 |
The CA is actually violating FDCPA....debts are a .. |
| Posted: Thu Oct 18 20:39:11 2007 |
$1000 to win a lawsuit Where The one attorney .. |
| Posted: Wed Oct 17 12:25:50 2007 |
Is the first one a student loan If yes, you need .. |
| Posted: Wed Oct 17 6:11:51 2007 |
Osi collection services inc, a horrible collection agency .. |
| Posted: Tue Oct 16 14:07:53 2007 |
why are student loans consolidated? .. |
| Posted: Tue Oct 16 14:03:39 2007 |
Guest,
You have to see that the loans are not .. |
| Posted: Tue Oct 16 13:57:06 2007 |
I have asked for a current breakdown but have not .. |
| Posted: Tue Oct 16 13:45:32 2007 |
Posted: Tue Oct 16, 2007 10:06 am
.. |
| Posted: Mon Oct 15 18:13:16 2007 |
Do you know exactly what you owe Have you ever .. |
| Posted: Mon Oct 15 4:56:49 2007 |
Oh goodie!! I love hearing about plots against .. |
| Posted: Fri Oct 12 18:40:19 2007 |
You need to call and make payment .. |
| Posted: Thu Oct 11 4:56:39 2007 |
A collection agency CANNOT leave a company name. .. |
| Posted: Wed Oct 10 20:51:08 2007 |
By law, all a debt collector can leave on an .. |
| Posted: Wed Oct 10 20:51:01 2007 |
By law, all a debt collector can leave on an .. |
| Posted: Wed Oct 10 13:31:15 2007 |
When you default, you are automatically charged .. |
| Posted: Tue Oct 9 21:10:07 2007 |
Unless you had a settlement agreement in writing, .. |
| Posted: Tue Oct 9 21:03:12 2007 |
I agree...we need more information.
Old .. |
| Posted: Mon Oct 8 11:24:30 2007 |
You cannot file bankruptcy on student loans so .. |
| Posted: Mon Oct 8 11:04:27 2007 |
Did you get the "intent to garnish" .. |
| Posted: Sat Oct 6 18:30:49 2007 |
The original creditor can give authorization to .. |
| Posted: Sat Oct 6 18:16:51 2007 |
A collection agency per se CANNOT sue you. .. |
| Posted: Sat Oct 6 17:52:11 2007 |
4 wins here against CA's, but only one was with .. |
| Posted: Fri Oct 5 13:09:40 2007 |
A spouse can file for injured spouse to get there .. |
| Posted: Thu Oct 4 13:22:50 2007 |
CA's to not initiate the tax offset ....the FFELP .. |
| Posted: Thu Oct 4 8:26:21 2007 |
The reality of the matter is that it is very .. |
| Posted: Thu Oct 4 8:23:10 2007 |
In some cases, like student loans, you do NOT .. |
| Posted: Tue Oct 2 5:39:22 2007 |
As a Canadian lawyer living in the US, they .. |
| Posted: Mon Oct 1 17:40:48 2007 |
Again Edfund will not work with an account .. |
| Posted: Fri Sep 28 7:44:53 2007 |
Unfortunately if you didnt get this agreement .. |
| Posted: Wed Sep 26 20:20:02 2007 |
Federal aid is neither merit or credit based. .. |
| Posted: Mon Sep 24 20:04:49 2007 |
Keep in mind that the OP is talking about .. |
| Posted: Sat Sep 22 12:33:17 2007 |
Unfortunately there is no such thing as hardship .. |
| Posted: Sat Sep 22 3:13:22 2007 |
PLUS loans cannot be transfered into the students .. |
| Posted: Sat Sep 22 3:10:03 2007 |
Unfortunately, this is the nature of private .. |
| Posted: Tue Sep 18 6:28:56 2007 |
So frustrated....
Allied Interstate would have .. |
| Posted: Thu Sep 13 12:48:20 2007 |
Private student loans & SOL is up for debate. .. |
| Posted: Tue Sep 11 16:31:56 2007 |
Student loans as a matter of policy do not .. |
| Posted: Fri Sep 7 13:54:47 2007 |
Forebearance and deferment are two different .. |
| Posted: Fri Sep 7 13:51:00 2007 |
Yes...if this is a federal loan, any government .. |
| Posted: Tue Sep 4 13:40:36 2007 |
If AI just purchased or was just assigned this .. |
| Posted: Fri Aug 31 15:25:45 2007 |
I totally disagree. Collectors learn by .. |
| Posted: Fri Aug 31 11:31:28 2007 |
The biggest skill a debt collector can learn is .. |
| Posted: Tue Aug 28 12:53:53 2007 |
Contacting a state AG for federal student loans .. |
| Posted: Tue Aug 28 7:52:03 2007 |
There is no student loan that takes the interest .. |
| Posted: Fri Aug 24 13:22:46 2007 |
Nowhere in the Higher Education Act does it state .. |
| Posted: Thu Aug 23 18:25:04 2007 |
Keep in mind that forebearances with private .. |
| Posted: Wed Aug 22 12:38:55 2007 |
I believe that they must agree to work in .. |
| Posted: Mon Aug 20 19:45:44 2007 |
They can "ask" for a downpayment but .. |
| Posted: Mon Aug 13 8:28:18 2007 |
Pioneer not only collects for Sallie Mae Private .. |
| Posted: Sat Aug 11 18:53:01 2007 |
If you have not already consolidated, you .. |
| Posted: Fri Aug 10 4:53:11 2007 |
Absolutely not! Get a written notorized .. |
| Posted: Thu Aug 9 19:36:00 2007 |
The biggest advice I can give to you to prevent .. |
| Posted: Fri Jul 27 22:26:56 2007 |
Actually the hours are 8am - 9pm. They are .. |
| Posted: Thu Jul 19 17:31:15 2007 |
They are not required to send you a receipt for .. |
| Posted: Wed Jul 18 17:51:59 2007 |
Who only allow you to work 20 hours a week Is .. |
| Posted: Wed Jul 18 17:37:29 2007 |
Settlements are discretionary and can easily be .. |
| Posted: Wed Jul 18 16:31:01 2007 |
As an ex-collector, I would advise you to attempt .. |
| Posted: Sat Jul 14 22:56:25 2007 |
Unfortunately when they called, you should have .. |
| Posted: Sat Jul 14 21:36:42 2007 |
You say you have had an Arkansas address but did .. |
| Posted: Sat Jul 14 19:16:44 2007 |
Administrative wage garnishment is authorized by .. |
| Posted: Fri Jul 13 11:02:31 2007 |
FCRA rules for student loans are way different .. |
| Posted: Sat May 19 18:13:47 2007 |
I guess I am the guilty party.
Somehow .. |
| Posted: Sat May 19 12:50:01 2007 |
You might have been "told" differently .. |
| Posted: Fri May 18 20:46:44 2007 |
Only the person who signed the original .. |
| Posted: Mon May 7 9:21:31 2007 |
Well Steeler, good bye. I put in a request to .. |
| Posted: Mon May 7 8:37:49 2007 |
I dont know if you have done any googling, but I .. |
| Posted: Sat May 5 16:20:20 2007 |
Have you tried emailing the corporate office of .. |
| Posted: Sat May 5 16:17:18 2007 |
Excuse me In most of posts with multiple .. |
| Posted: Fri May 4 22:00:49 2007 |
You borrowed $7500 for the first semester or .. |
| Posted: Fri May 4 7:57:22 2007 |
Allied is working as a 3rd party for Embarq by .. |
| Posted: Thu May 3 16:54:04 2007 |
I am going to assume that someone went to school .. |
| Posted: Tue May 1 12:43:49 2007 |
I think you would be jumping the gun to file a .. |
| Posted: Sun Apr 29 14:42:15 2007 |
If with your budget you cannot afford $600/month, .. |
| Posted: Sun Apr 29 14:26:47 2007 |
Nope. Their is only one student loan office .. |
| Posted: Sun Apr 29 13:19:40 2007 |
In order to rehab, it takes 9 months on on time .. |
| Posted: Sat Apr 28 21:57:27 2007 |
Private loans will not appear on NSLDS.
Since .. |
| Posted: Sat Apr 28 16:24:04 2007 |
General Revenue collects for USA Funds who do the .. |
| Posted: Sat Apr 28 16:18:08 2007 |
Was this for a tuition account or a student loan .. |
| Posted: Fri Apr 27 7:29:20 2007 |
Allied InterHATE
You are dealing with a .. |
| Posted: Fri Apr 27 7:20:53 2007 |
Collectors do NOT have the right to be rude .. |
| Posted: Wed Apr 25 21:59:05 2007 |
Do not send this type of letter to a CA .. |
| Posted: Wed Apr 25 15:59:48 2007 |
I spent 10 years as a student loan debt collector .. |
| Posted: Wed Apr 25 5:57:53 2007 |
Why do CA's request post dated checks or auto .. |
| Posted: Tue Apr 24 16:47:54 2007 |
Is it 25% of the total in garnishment? .. |
| Posted: Tue Apr 24 12:38:43 2007 |
According to the DOE manual for employers, .. |
| Posted: Tue Apr 24 10:36:15 2007 |
Since your loan was paid off and out of default .. |
| Posted: Mon Apr 23 19:56:27 2007 |
You can file your own injured spouse .. |
| Posted: Mon Apr 23 13:03:08 2007 |
No downpayment is required to enter into a rehab .. |
| Posted: Mon Apr 23 12:35:27 2007 |
to go to a private college and live in the dorms .. |
| Posted: Mon Apr 23 8:38:08 2007 |
Sallie Mae Privitization Information .. |
| Posted: Sun Apr 22 19:56:08 2007 |
Actually those entering the garnishment .. |
| Posted: Sun Apr 22 17:40:47 2007 |
Reform is needed. However students need to .. |
| Posted: Sun Apr 22 7:35:48 2007 |
I for one, am NOT in favor of doing away with the .. |
| Posted: Sat Apr 21 13:49:44 2007 |
Your notice was due back within 30 days of .. |
| Posted: Sat Apr 21 8:27:55 2007 |
Sallie Mae has been a private company for awhile, .. |
| Posted: Fri Apr 20 21:35:23 2007 |
There are tax implications if you take the .. |
| Posted: Fri Apr 20 21:27:46 2007 |
When it comes to debt owed to any public or .. |
| Posted: Fri Apr 20 13:34:36 2007 |
School loans to public schools and private .. |
| Posted: Wed Apr 18 22:30:01 2007 |
OP...did you return the garnishment notice It .. |
| Posted: Tue Apr 17 11:41:47 2007 |
No. The Higher Education Act requires that .. |
| Posted: Mon Apr 16 22:59:26 2007 |
30 years still has no SOL. The Higher Education .. |
| Posted: Mon Apr 16 21:37:56 2007 |
Northland Agency is local to me and I know .. |
| Posted: Mon Apr 16 13:37:15 2007 |
Oh yeah. Read the Dealing with student loans .. |
| Posted: Mon Apr 16 13:08:11 2007 |
Did you ever check out NSLDS to check on .. |
| Posted: Mon Apr 16 11:16:23 2007 |
Back when I was collecting, as a manager I used .. |
| Posted: Sun Apr 15 13:42:18 2007 |
Actually once you have done nasty customer .. |
| Posted: Sun Apr 15 12:28:58 2007 |
Have you called them to find out what they .. |
| Posted: Sun Apr 15 12:13:28 2007 |
Again you are generalizing. I have 2 .. |
| Posted: Sun Apr 15 10:16:01 2007 |
There probably are no puffed up legal .. |
| Posted: Thu Apr 12 19:29:44 2007 |
I need with paying my student loans and Allied Interstate .. |
| Posted: Thu Apr 12 14:54:39 2007 |
Simple. Get back into the rehab program or they .. |
| Posted: Thu Apr 12 14:52:18 2007 |
If I have no choice but to bite the bullet .. |
| Posted: Thu Apr 12 8:46:35 2007 |
ignore my previous post. I got names mixed .. |
| Posted: Thu Apr 12 8:45:55 2007 |
Infinity.....you just posted that allied is .. |
| Posted: Thu Apr 12 8:43:31 2007 |
Is this for a student loan Allied collects for .. |
| Posted: Thu Apr 12 6:35:02 2007 |
With Private loans, no payments are required but .. |
| Posted: Wed Apr 11 14:28:09 2007 |
This is pretty narrow minded. Personally I .. |
| Posted: Wed Apr 11 14:17:25 2007 |
I didnt say it was wrong to consult an .. |
| Posted: Wed Apr 11 12:43:44 2007 |
I don't believe it is illegal to autodial .. |
| Posted: Wed Apr 11 12:27:49 2007 |
Well, NCO isnt known for having the best lawyers .. |
| Posted: Wed Apr 11 11:56:01 2007 |
It is not illegal to autodial to Minnesota...you .. |
| Posted: Wed Apr 11 11:26:16 2007 |
When I was collecting, I absolutely HATED the .. |
| Posted: Wed Apr 11 7:19:32 2007 |
When a loan defaults, you loose deferment and .. |
| Posted: Wed Apr 11 7:00:49 2007 |
|
