Anyone ever work with an ombudsmen to help negotiate a reasonable monthly payment with the CA to collect on a delinquent student loan?
A week ago I received a call from a CA telling me I had to put almost 3K down and pay close to $400 a month or they will garnish my wages. I told them I can’t afford what they quoted me, not even if I got a second job, and they said it was my only option or garnished wages. With advice from here I negotiated to less down and less a month but I still cant come up with the down payment and with the monthly payment they quoted me I can afford but it will leave me with between $10-$20 to live off of a month. But what I found funny was when I was negotiation with the manager at collections based on something I said her response was: “with no money down it would be this much a month” Funny because she kept telling me a down payment was REQUIRED and the amount she quoted me with the no money down was only $9. less than if I was to put almost 1k down. I called her on this money down required and no money down thing and she said she misspoke and its required that I put money down. So because of her slip up and other reps at this collections place giving me very different and mixed information I called the ombudsmen office and they are looking into either all of this info or just getting my monthly payment down and getting back to me but I just don’t know if this is all a joke or if they really have helped negotiate in the past. Anything anyone can share would be greatly appreciated.