
Quoting
DoneWithStupidCAs
My question involves collection proceedings in the State of: Kansas
The question is, shouldn't I be able to send a certain amount of money each month directly to the Department of Education and stop all other collection efforts?
Here's the problem, and I might find the answer if I keep surfing, but I'll state it again from my point of view: The first collection call that I received about my student loan was around 1985. They refused to send me written proof that they were authorized to collect on that student loan. They got nasty. I told them that if they sent me that information then I would send them money. I never received anything in the mail from them. If I remember correctly this place turned out to be fraudulent.
I don't trust collection agencies that get hostile when you ask them to send statements. Two other collection agencies have been after me recently and when I asked for clear statements they dissembled and got nasty. One of them has a reputation on the net for asking for bank account information so that they could take money out directly. Neither of them seem capable of behaving in a professional manner and the fact is that if they are not capable of behaving in a professional manner they are not capable of forwarding the correct amount to the student loan agency. As I understand it regardless of their misconduct, which might go undetected for a very long time unless I have a way to watch them every minute, will not relieve me of the obligation to pay the student loan debt.
So I've asked the student loan agency to send me a statement. They want me to go through the collection agency to make an agreement and I told them that the collection agency threatened wage garnishment when I insisted on seeing some kind of statement. If all that I am asking is that I pay through someone who is more reliable than a collection agency that acts crazy, I believe that I should be granted this request.
They should put their repayment system online and ditch all of the collection agencies anyway.
I get the strong feeling that the system that they have build around student loan defaults won't allow a lot of people to pay in any sane manner without harassment and without living in fear. The credit agencies deliberately make themselves impossible to trust and no one should ever be penalized for dealing directly with their creditor. From some of the letters that I've read here it seems like that's exactly what some of the agencies are doing.
I get the strong feeling that the system that they have build around student loan defaults won't allow a lot of people to pay in any sane manner without harassment and without living in fear. The credit agencies deliberately make themselves impossible to trust and no one should ever be penalized for dealing directly with their creditor. From some of the letters that I've read here it seems like that's exactly what some of the agencies are doing.