(no subject)

[technoir]

So I have tried to call them on my break and been told to leave a message and they will call me back. I tried to explain that I am in a call center and i cant take calls. They tell me I have to take care of it before the end of buisness today. The receptionist says they will have to call me back. I hate this. I want to do the right thing but these people are treating me like crap.

Comments

[technoir.livejournal.com]

actually these guys can garnish my wages due to it being a student loan. In most other occassions that would be correct.

[goblinkatie.livejournal.com]

From :
FEDERAL TRADE COMMISSION

Staff Commentary on the Fair Debt Collection Practices Act


Section: NEW COMMENTS BASED ON RECENT STAFF LETTERS TO ATTORNEYS

A student loan is a "debt" covered by the FDCPA;(8) however, alimony, tort claims, and non-pecuniary obligations are not covered.(9)

A salaried attorney who collects debts on behalf of, and in the name of, his creditor employer,(10) and a state educational agency that collects student loans,(11) are exempt from coverage by the FDCPA

So I think unlessyou are being contacted directly by a salaried attorney, then you can tell them they are in violation of the FDCPA.

Web site address is http://www.ftc.gov/os/statutes/fdcpa/commentary.htm

[technoir.livejournal.com]

I finally got a hold of them. They will let me pay it off for 50 a month.

...

of course the agreement presupposes 108 months of payments.

But hey after making 12 months they will stop with holding my taxes and i could get student loans again to go to school.

Isn't that lovely.

oh well it is better than nothing.

just fucking shoot me.

I am so tired of dealing with this. I am 32 years old. I should be looking at maybe finding a house not looking over my shoulder to see what else is going to try and pull the rug out from under me.