Hello,
I would like to state my horrifying story of dealing with my school. I started this specific school Jan,2012. I did recieve pell grant from Salli Mae too. Plus I was supposed to pay the school a certain amount of money per month. Due to different hardships of life at that time I could not pay the school.From day one when I asked the finance person of the school, that what would happen if i could not pay the school till the last day, he said that nothing would happen--- you just would not get the diploma paper, we would release it to you when you pay us in full. I thought that was a nice deal and was expecting to pay them something in lumsum towards the end. On the last day of the school few of the students who has not paid the school, were told that their account would be transferred to a collection agency. Within 4 days of graduating from the school, i got my first letter from the collection agency.
I contacted the school and the finance guy told me --- do not worry just ignore them and pay us . I kept on paying them a specific amount per month. Few months earlier when i went to the school to pay them , i was told that they would not take money from me anymore. I am at level two with the collection agency and i have to deal only with them. When i challenged the finance guy , he told me that they have told us thruout the year to pay or it will go to a collection agency. I have talked to my classmates , i have at least 5 people who agrees with me that we were not told until last day. Thru out all this time i have received threatening and humiliating calls from this collection agency calling us liars and that we have not paid anything when we were paying the school money. Now they have told us that they will report me to credit bureau with permanent blotch on my report. They wanted my bank information and credit card number.I was not ready to give that and sent them money in cashiers cheque. They were not even ready to work when i asked them if we can come into an agreement that I would pay them this much per month. All they wanted is bank account number or credit card number to secure the payment.
Presently we went through lot of hardship and payed the collection agency and they say that they would report to the bureaus that it has been payed in full but they totally disagreed about taking it off the credit report.
I have looked through all the paper from the school, no where it is mentioned anything about collection agency or have to pay something within this much amount of time. There is a amount mentioned that I agree to pay them per month, but there is no mention of any collection agency anywhere.
My question is
a) can I sue the school and collection agency for mis representation / falsification of information and harressment ?
b) Is there any way I can take this issue off my credit report as it is hurting my score very badly.I read about something called PPD ( Pay per delete) , where the collection agency charges a little extra and takes the issue off the credit report. This agency said they have not heard anything like that and would not do anything like that.
all help will be very much appreciated.

