Allied Interstate Problems any help appreciated.

Your personal information should be with allied interstate if they are collecting a legitimate loan you have. They shouldn't ask it from you. Since you said that you have some memory problems, you need to be confirmed whether you had this loan or not. There is no SOL on student loans.

Allied interstate0 must follow the federal laws during collections. Send them a validation request in writing putting up the details of the debt and confirm their collections being legit.

Check out all the topics on AI in this forum because many people have posted their complaints here. You must make sure that you are dealing with the right company having your accounts and your money goes to the right place.

It sounds like you have a good case if you can get evidence of their violations. A case like this probably won't cost you. Check naca.net for someone in your area who deals with fdcpa violations or general debt collection violations.

Hello, I just got off the phone with Allied Insurance again, I told them that I would be sending them a debt validation, they were not happy, they said that they can not send me validation because it had been sent allready. I never received it though, I then asked if he sent it via Certified Mail and he replied no but he didn't have to because it got into my hands and then he started naming all the organizations to back him up. I asked him his name and he replied Mike Cleveland (Vice President) he gave me two options, I could Pay Allied Insurance $50.00 down and like $15.00 a month for 6 months. He said that would stall them, I then told him that I will not pay for a debt that I do not owe. At this point he seemed to be really frustrated and said "I am not calling you a liar, but I believe that you were responsible for the loan, also Since you have done nothing about this loan that begun in 1989 you basically admitted that the loan was yours". Now He said that wasn't calling me a liar but then he said that he didnt believe me, I think this is the politically correct way of calling me a liar. So then he said that I haver 2 options:
1. I could settle the fee for much less with him.
2. I could be stubborn as I have been and get My social security Garnished by 25% which means My family would not be able to eat that month.

He also said that The Social Security would not look into what I am making and automatically use that money to pay for the debt. (Which Isn't mine to begin with)
He told me that I owed 3,007.00 To the department of education for a school called Tennessee School of Beauty, I really started laughing because I was never a hair dresser, also The Date he said the Loan started, I just happen to be In Great Lakes IL because I joined the navy. I told him that this was insane and offered a fingerprint Test or whatever he needed he didnt seem too interested. I also told Him of this website and he said "the people there are just a bunch of disgruntled deadbeats and told me if I took your advice that I was really making a bad move when all he wanted to do was to help me. Yeah Right I officially hate this company and now I am looking forward to having them call me so that I may school them in techniques of how to be nice. He also told me that I could get into big trouble for calling one of his collection agents "an Abrasive Pri@ck" He didn't mention Jail but I am sure thats what he was Implying. Anyhow I just had to E-Rage a bit and thank anyone who replied, I think you give good advice and texaslawyer I think I will do what you said about getting evidence, I need to purchase a phone with a built in recording device.

I was also told that the garnishment will happen without warning, I would not be contacted by anyone and I do not go to court to defend myself. Is this True? I would hope not, I really hope that our Justice system is better than this.

For starters, CA for student loans are required to verify SS# with the borrowers.

Secondly, did you go to school?? Did you enrol in a school and then not attend?? Did you have a child that went to school that you co-signed for??

If the debt is attached to your SS# and you refuse to cooperate, the DOE can and will garnish 15% of your social security wages.

You can log into http://www.nslds.ed.gov/nslds_SA/ or call 1-800-4FEDAID. They will ask for your SS# to verify if you have any loans attached to your number. If there is not, you can basically tell AI that they have the wrong person. If there is a loan, you need to request that Allied send you a copy of the prom note. That is what you need for verification. If it is your signature, and you in fact enrolled in this school, it needs to be paid. If it is NOT your loan, you will need to file a fraud report with the AI and the DOE. You need to be very proactive in resolving this.

Thanks for the reply SOAPLADY to answer your questions:

1. I did not and will not give the collection agency my SS number, That is personal Information that I do not need to give out over the phone.

2. The Debt is attached to my SS# but I wont give them my SS# and its making The collection agency very mad.

3. I have not attended school, however I went into the navy and let my GI bill go to waste.

4. My children are in Middle and High school so since the school is public, I am sure that they are not responsible, besides this loan was supposed to be for me before they were even born, 1989 they did not exist. I have several people in my family with the same name as me, but I doubt that any of them were going to school during that time period. I will seek council from someone regarding this matter, but I will not give in and pay a debt that I do not owe, I would go to prison before I would pay allied interstate a dime, and from the things I have read about them and the way that they have treated me they do not deserve anything but a lawsuit. I will check into that though the guy I talked to said that the garnishment would be 25% but like I say I do not trust this company at all and I think they just wanna waste my time with petty scare tactics.

allied interstate has made mistakes more than once. I know first hand they will make threats of lawsuits, wage garnishment, and criminal prosecution even to people who do not owe the debt.

All I can say is record the calls if you can do it legally. Then find a lawyer. Even if you are a victim of identity theft, which you should check into, they are not allowed to break the laws meant to protect you. Good luck.

Student loans are government accounts. Call the Department of Education. If this is attached to your SS#, you will be held liable. No amount of complaining about CA will make it go away. The DOE will simply pull the account from one CA and place it with another.

You didnt answer my question as to whether or not you might of "enrolled" or filled out papers for a hair dressers or barber college.

Is it possible that a family member used your SS# to enroll in a school? You will still need to verify the debt and dispute it.

Good advice SOAPLADY. Schools of higher education have been known to submit loan paperwork even after a person changes their mind about attending. And identity theft is always a concern.

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Allied calls me on the adv. 5 plus times a day also. They will try to inflict harassment in many ways, try not to get involved in their pointless and no outcome phone calls. I have called the ftc several times, the bbb and the atty. gen. office in ohio, every one who is being harrassed etc.. by this unprofessional co needs to contact the bbb, the ftc in your area because you have rights that they (allied) doesnot want you to know. Try and record all calls by letting them know 1st that the call is recorded you cna buy this a radio shack @ 45-50 dollars but it will protect you.Also repet calls are illegal get all info at the fed trade comm web site.

we all must stick together, when it comes to people like this. They will try to tell you a lot if pointless things, the best thing to do is buy a tape recorder to rec. phone calls, let them know 1st that the call is recorded like they do to us theis attitude will come down maby with me this guy has the worst personality and attitude rember their names they give you are prob. not real.. if you deal with a person going by the name of BRENDON DWIER he is relentless on calls and on point of outcome or solution. I will stop calls have them only comm by US mail make it cirtified mail only becaues its legal binding and the courts accept it. So for who have not contacted the ftc, bbb, atty gen office in your state please do so.