My employer just called and told me that he had received a phone call from a "Mr. Smith" at NCO who said he wanted to verify my SSN. My employer told Mr. Smith that he would not do it because it is confidential information. Mr. Smith told my employer that he is required to cooperate because it is for the Federal government and they will be violating the Federal law if they do not cooperate. Mr. Smith did not provide any other information to my employer. My employer contacted our corporate labor attorney and had him on the phone when he called to tell me about the phone call with Mr. Smith. (Talk about humiliation. )

I have received no letters or phone calls from NCO and the only thing it could be, related to the Federal government, is an old SL. My tax refunds are offset and have been for several years to repay the SL, but that is the only collection activity I've had related to the SL. (Until now, apparently.)

I know that CAs are not supposed to contact an employer for other collection matters, but I'm not versed on SL collection. I am reading the other posts to learn more about SL collection.

I just wanted to ask if this is SOP for CA collection on a SL.

I also wanted to add that I work in a small office of about 10 employees and everyone in the office knows about it now.

Thanks.

Wekiva

CA's may call to verify employment if they are processing or forwarding an account to Admin Garnishment. We would call to verify, plus we were required to asked if wages were over a certain amount. We could not mention student loans or the word garnishment.

I spoke with employer again and Mr. Smith did say it was for a wage attachment and he also asked what my salary is.

You could complain but unfortunately at this time it will not stop the garnishment letter from going out or the garnishment from happening if you do not respond. Does the CA have your correct mailing address?? It the letter is returned, they could end up sending it to you at your work. We had to do that quite often....we would mark it as personal but often mail rooms wouldn't pay attention and your garnishment notice could float around.

I don't know if they have my correct address. I don't know why they wouldn't. I've lived at my present address for about a year and it is listed on my CRs. I have not received anything in the mail from NCO about this or any telephone calls at home. Wouldn't they normally attempt to contact me at home by mail and/or phone before they proceed with garnishment? Are they required to provide a 30-day notice on SL collections like they are on other collections?

Thank you for your time and replies.

They are not required to use any other address than what YOU provide them with. Again it goes back to your prom note that you agree to update the lender within 10 days of change of address.

They probably have may the attempts to contact you at home or at the least at the address and phone number on your file. However after the required attempts and no contact, they may start the AWG process if they can locate the POE.