My question involves collection proceedings in the State of: Oregon
A summons was served at the contact address I use and handed to another person other than myself. The summons was from a 3rd party debt collector for Sallie Mae.
I have been making smaller payments than Sallie Mae requires due to my under-emplyment status and have been doing so for the past few years. Payments have been adjusted accordingly so I am able to sustain myself for living and maintaining the employment I have. Suddenly, Sallie Mae's collector is going for the throat and suing me for the entire balance (disregarding my good faith efforts to repay on my loan consistently month by month). I have no assets and fearful of a payroll garnishment for a larger amount than I can afford. If this is to happen even after I answer the summons, is there a limit on the amount they can take? I need to be able to eat, pay utilities, rent, and get back and forth to work. Any more than 150.00 per month is going to cause a hardship. Sallie Mae already knows this and so do their collectors. What other options would I have? Sallie Mae and their collectors WILL NOT work with my financial position and ignore specific questions in writing. I can't even get them give me a statement showing where my payments are being applied. I am following the rules to the best of my ability and feel they are not. Furthermore, I know that if this summons would've been properly served, it would've been handed to myself in an envelope, but it wasn't. It was not in an envelope and handed off to someone I live with. Aren't there privacy laws that needed to be abided by? I am acting in good faith and they are not. I know I owe on my student loans and continue to make payments, but what is a person to do? Legal advice would be greatly appreciated. As I have less than 21 days to respond I need to look at all avenues that I may take.