Please Help with DCS said I need $3,000 in 2 days!!

RE: SoapLadyI would really like to speak with you or open some dialog with my wife's situation. Would there be any way for you to email at

It's against the TOS to post your email so I removed it, if you want to discuss something with Soaplady directly send her a PM.

Post it here.....other people have probably had the same experience.

DCS collections just called my babysitter and tried to make her give out information about me such as my work and there number and she wouldn't how are they allowed to call and harrass you at work that would make me lose my job completely and then no payment would be made are they really allowed to do this??

They are doing there job, trying to get in touch with you. They are permitted to call you at work until you tell them not to.

Are you making payments?? Now that they know you are employed they may request information from the IRS to start garnishment against you.

I saw something about consolidating student loans and being set up on an income based repayment plan but I thought you couldn't do that with private loans?

Correct.

Hey Soaplady,

I started my own thread but wonder if you might see it here first...

My employer just informed me that he received an 'Oder of Withholding from Earnings' from a federal student loan I have. I have gotten other notifications from the CA before, but did not receive the 30-day notice from them regarding wage garnishment.

I have a few questions...as I understand it, I can only get out of wage garnishment after 9 months, and that is with paying above and beyond the wage garnishment amount. That true? I am getting ready to call DCS to ask about loan rehabilitation, and crossing my fingers that they somehow decide to drop the wage garnishment, as it technically hasn't started yet.

Also, is there any recourse on my end that I can take considering I never received the 30-day notice? Can I appeal? I was planning on rehabbing a few months ago but had deaths in the family and life (although not an excuse) got in the way.

Would you say that offering direct deposit would help the situation? I've heard of people getting screwed by companies taking more money out per month than the agreed upon amount. From what I can find via researching this forum, there's no real paperwork that is signed regarding a rehabilitation. Is there any recourse on my end if they do take out more than the allotted amount?

Also, is it true that w/ loan rehab, I can have them remove the collections fees to the balance?

Lastly, once those 9 months are up and my loan is bought out, it is acceptable to ask for a new statement? From DCS or from the new company?

DCS called me, and said that I would either be able to start this payment plan, Rehab or what have you, or My wages would hit a 15% deduction before taxes.
My questions are this:
Is there somewhere else I can call to check on this information before excepting a payment option?
My loan is very small, if after it has been handed over to a collection agency is there anyway I can deal with The Department of Education for payment options rather then the collection agency?
Is there anyway I can postpone the garnishing of my wages without going through a payment option of DCS?
Could the usage of telling me about the possibility of having my wages garnished be a scare tactic to opt me to start a payment option and have this fella collect some money from me?

Garnishment is 15% of your disposable pay...your gross minus taxes and health insurance.

Once handed to a CA, the dept of ed will not work with you. You do not have that option.

Wage garnishment is not a scare tactic, it is a fact. No court order is required for administrative wage garnishment. So I suggest you get into repayment with them asap.

I have loans that total $10,000. I have had previous arrangements with this company. They say this is my last arrangement, but I have defaulted again. Simply because I cannot afford the $120.00 they want me to pay. I pay 400 in rent and 400 in daycare every month and all the usual, but these people say that I can still afford it. Which I say I can't, but that is the lowest I can pay. So they say. I could afford the $50.00 payment, so why wasn't I ever offered it? What should I do if I have defaulted again? I can't pay off the loan simply because I am a single mother that gets absolutely no child support or no public assistance. Why won't they negotiate with me?

$50 wouldnt even cover your interest each month.

you need to look into consoldiating your loans before they start garnishing you

I owe on a student loan I know i owe and i want to pay and rehabilitate my loan within the 90 day period yada yada yda im on board BUT i never received an intial demand of payment letter (thats what they called it) and i before handing over a huge intial good faith payment would really like to know if this is a true company not if people agree with what they are doing or what i should do to avoid it because i owe the money i know people hate creditors they are just doing there job i am in default because i couldnt pay now im trying to find a way to pay someone said legally you dont have a leg to stand on and its true you dont you signed for the federal loan and now you owe it dont hate the person doing there job hate the fact your in the situation for whatever reason but buck up and find away to fix it they havent been unreasonable with me HOWEVER since they stated they had the wrong address oin file for me which i havent figured out how since the loan company has my correct one they should i never received any form of letter or paper stating they are infact a legit company PLEASE just let me know if they legit and they are a real collection agency thats really all im here for
THanks

Who is the company? GC Services? You avoid it a student loan and they will start garnishing you without a court order. GC services is very legit. You could have called and checked with your guarantor.

no its DCS and the lender isnt talking to us anymore they are just saying its been passed on to a collection agency we had to dig and dig to find out it was DCS were the ones who called to get the ball rolling. im not trying to avoid it i am trying to pay it i just wanted support from here that it was a real agency i did a google search and there are alot of alligations that ive found that they were a scam so im just looking to know if DCS is real and if so thats great and im going to pay im not complaining like the others on here or trying to find a way out i know its sserious and i want to pay im just covering all bases first that all.

Your lender or your guarantor? The lender files a default claim against your guarantor...and I have never heard of a guarantor not giving the name and phone number of the CA.

A simple gioogle search will show that DCS is a Department of Education collection agency.. http://www2.ed.gov/offices/OSFAP/DCS....agencies.html