I need with paying my student loans and Allied Interstate

Is this for a student loan?? Allied collects for many guarantors and the USDOE.

What do you mean by harassment?? Are they calling you repeatly to pay your bill??

Student loans can garnish your wages without taking you to court. Give some more information as to what you have done so far to resolve this.

They are threatening garnishment. But they said the same thing last year. I tried to get in a program with them but they screwed up and tried to take two payments out a month. So I stopped the transfers. Now they are calling me again to get back in the "program" to avoid garnishment. Is there anything I can do?

Simple. Get back into the rehab program or they will garnish you.

If there is anyway at all that you can afford to get back into a rehab program and maintain it....then definitely do it.

I am certainly not in the same league with soaplady as far as experience...as she was a financial advisor....but, I do know that as long as I had not defaulted on any of my loans I was able to deal with the original lender for rehab and not collection agencies. I simply called the original lender.

So I would suggest if you are not in default....try working out something with which ever lender originally worked with you.


Also, if you are dealing with pioneer who collects for Sallie Mae...be very careful. Because I did enter into a 12 month rehab program with them, and, it was set-up as an auto debit monthly and we never once missed a payment....but they still filed against my tax return and did claim that I had broken the original agreement. And that year they did get our entire refund. But I had been told that if I entered into their rehab that this would not happen...but it did.

Good Luck!!!

http://www.naca.net/find-consumer-protection-attorneys/

There is a list there for Attorneys listed in each state that are advocates and have experience in fighting unfair, ridiculous and impossible Student loan payback practices!!!

Oh btw....I forgot to mention that the link listed about is not just for contacting lawyers....they are also a group which is currently lobbying Congress for changes in student loan practices! And are seeking poeple's stories and support!

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I'm screwed either way

How long do I have to deal with this before I can get out of default? They are hitting me for 600 a month. And am I required to pay by them taking it out of my checking account?

In order to rehab, it takes 9 months on on time payments. You have to ask specifically to enter the rehab program. Normal payments for rehab are 1% balance. If this is to high, you can ask for REASONABLE and AFFORDABLE payments. This is Federal Law. However they will probably require a full financial statement of all expenses and household income including spouses income if applicable. They may require proof.
What is reasonable and affordable to you might not be to them depending on what is on the financial statement. Fixed expenses such as housing, lights, power and water, daycare, food, vehicle, gas, insurance, reasonable clothing expense and misc. Other expenses such as private school education for kids, high entertainment expenses, even eating out for lunch while working, is considered discretionary.
It all depends on how much you owe. When I was collecting, I had one guy tell me food cost him $1000 per month cause he had to eat all organic. (Our family of 4 was average $500/month). Needless to say that expense was not allowed. A reasonable and affordable plan has to be agreed upon by both parties, so cooperation is important.

comedic1
When they were taking the 2 payments a month last year you should have contacted them and the student loan ombudsman. Did you discuss this problem with them?? Or just stop making the transfers??

I contacted them and they did nothing about it. Which is why i'm making sure that they take care of that before they see a dime of that 600. Is there anything I can do? I think they righ thand doesn;t know what the left hand is doing. Since Allied has several locations they probably had another location taking out my money seperatly.

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I have no problem with that. I can prove most all of my debt as far as personal expenses. Can I still negotiate a better payment even though I agreed to the 600?

If with your budget you cannot afford $600/month, then yes, they must work with you. However if you CAN afford it according to your budget, you may be stuck. You have to justify why you need lower pays.

What balls! Was it necessary to pretend to be a grade school teacher and highlight mistakes in red? I mean, really, give me a freaking break!

You are great Moondanzer! Wow, I don't even feel I am so important that I need to go around and correct others by highlighting it in red.

Hey, Fins, TALK ABOUT AN EGO!

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You are a real, well I can't say. But many would agree. You seem to think somebody died and made you the correction goddness, that is rude and quite frankly I think somebody who does that has extreme issues. Does it make you feel good to go around doing that to people? It must because you sure do that alot. And boy, we sure do need clarification and correction by you, or our lives would be a complete disaster if we didn't have you around to correct the error of our ways in red.

Well Steeler, good bye. I put in a request to Mike to cash me out. Moderators are suppose to set examples, not act like frigging morons. I am out of here.

I stick with my other credit boards.

See ya

it was soaplady that corrected you.