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Thank You for a Wonderful Day (by: admin)
<b>Iowa Student Loan</b> Paragon IT Professionals Robert Half Technologies <b>Iowa</b> Department of Economic Development. And special thanks to the many others who contributed to the success of BarCamp Des Moines by donating their time and services <b>...</b>
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Fwd: CASH ADVANCE PAYDAY <b>LOANS</b> APPROVED INSTANTLY APPLY NOW (by: Luke)
Keywords: [3]credit [4]cards [5]private [6]<b>loan</b> [7]cosolidation [8]<b>student</b> [9]payday [10]Mortgage [11]Refinance [12]Home [13]Equity [14]Auto [15]<b>Loans</b> Added: June 17, 2008 rss@youtube.com (Science5454888) Tue, 17 Jun 2008 21:10:07 -0700 <b>...</b>
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Вопросы и ответы
What should I do about my student loan?
I currently have a small private student loan that was credited to me by Iowa Student Loan Liquidity Corp. It's only about $1200, which isn't much to most people, but to me it's a lot.
Here's the short story: The loan was supposed to be on forbearance, but then the lender took the loan off forbearance before they were supposed to. I was not notified, nor did I receive any statements saying I needed to make a payment. So I continued not to pay. Then my loan went to default which was also without my knowledge. Now I am receiving calls from a guy who works in the collections dept. He is unwilling to let me make payments I can afford. He called my last payment "a joke". He says either I come up with the money TOMORROW or he will send it to the legal dept.
My family is barely scraping by the way it is. I have to stay home w/my daughter bc we can't afford daycare. My husband brings in maybe $23000 a yr. With our bills, we can't afford anything else. What should I do?
First thing you need to do is accept the fact that the bill collector is an idiot. On average, they spend less than 90 days on the job before they burnout. They are trained to use scare tactics and to tweak your emotions because their research tells them that if you get emotional, you are more likely to make a payment. They hate their jobs.
Next, you should contact an attorney in your area. Many of them will see you and only charge you a small fee relative to the $1200. Some of them hate bill collectors so much, they won't charge you anything. (Probably hoping for a counter-suit).
You need to review the Federal Fair Debt Collection Act. It sounds like this idiot may be in violation of the Act. If they failed to notify you by certified mail of the change in your loan status, they may have a serious problem.
Do not be nice to the idiot. Do not apologize to the idiot. Tell him that you believe that he is in violation of federal law concerning the collection of debts. You or your attorney can demand that he provide you with written proof of the validity of the debt. At that point, all other action must stop until proof is obtained. Advise him that you are keeping notes of every interaction that you have with him or his company and that you will report misbehavior to the FTC. Hang up on him a couple of times - that really shifts the paradigm.
Sounds combative, huh? It's the only thing they respond too. Meanwhile, you need to have a yard sale, put stuff on Ebay, get a part-time job, and round up $1200. Proverbs 22:7 says that "the rich shall rule over the poor and the borrower is a slave to the lender." God knew what He was talking about.
Does anyone know anything about legal rights of confidentiality when it comes to student loan accoun
Recently my student loan company contacted my house and my roommate answered the phone. The agent discussed personal and explicit details of my account with my roommate (who has no relation to me, nor access to personal information such as my SSN) while leaving a message for me. I could be wrong, but I don't think they can do that, can they? I am a resident of Iowa now, and that is where my school was located, so I'm not sure of the state laws or federal laws. I looked into the better buisness bureau, but they only cover sales transactions, so if anyone can let me know if I have a right to do something about this and who I could contact that would be great.
According to the FDCPA... federal debt collections practices act, the only info collectors can obtain from anyone other than you is to verify if you still live at such and such adress, do you still work at so and sos, is your phone number???
They can NOT discuss your bill with anyone other than you!
Does anyone know about legal rights of confidentiality for student loan accounts?
Recently my student loan company contacted my house and my roommate answered the phone. The agent discussed personal and explicit details of my account with my roommate (who has no relation to me, nor access to personal information such as my SSN) while leaving a message for me. I could be wrong, but I don't think they can do that, can they? I am a resident of Iowa now, and that is where my school was located, so I'm not sure of the state laws or federal laws. I looked into the better buisness bureau, but they only cover sales transactions, so if anyone can let me know if I have a right to do something about this and who I could contact that would be great.
I would imagine that is very wrong. I know when I went in for my last physical I had to fill out new paperwork that asked if anyone in my family could take messages from my doctor's office and how detailed the messages could be. That's just health stuff, like test results, appointments, etc.
I can't imagine that it is okay for the student loan company to talk to your roommate about your financial situation(good or bad). I would call the student loan company and ask about this.
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