I myself was contacted just last year about defaulted student loan! the threatened to garniush my wages and all this other BS, I didnt dispute the money owed, However I wasnot going to be degraded by the debt collector! so i sent my payments directly to the department of education! And i do so with other debt im paying off! I will NOT send any money to a debt collector! if im paying off a debt, I send payment to the original creditor, once accepted by them, the so call debt collector has no standing!



OK so you were dumb enough to sign up for a Western Sky Financial loan and find that you cannot afford to repay it. Big surprise right?