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This guy is "AMAZING" ?? umm not really


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Recently, I had turned a friend/co-worker of mine onto this board as I've been part and parcle to my own success story here (see link below). He asked for advise and where to start the journey so many of us here have already made.

 

Once deep into the conversation I mentioned the one two punch AND an the official "Validation Letter". The day ended, he had signed up to creditboards!! All was well right, he had the info he needed to get going yes?? Not so fast, this link is what I had in my mail box from him this morning.

http://www.avoidbk.com/debt-validation-letter/

This guy is not only one of the most hated/best debt collectors (by his own admission) but thinks himself the "Gordon Ramsey" of debt settlement. With his business model I can easily see him getting kick backs from the collection agencies in addition to his clients PAYOUT. scum - scam. His business model is basically settle for less than the original amount and seven years of whacked credit - umm no thanks...

 

Needless to say I told my co-worker that READING-READING-READING on this board will make the biggest difference in his credit future not paying this dope.. It can be done personally, I've done it and so can you. It just takes time..

 

We will see what he does. I just wanted you all to be aware of this guy and his "Validation Letters are useless and settle for less than the original amount" guy. He probably slithers around here for all we know.

 

Peace

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Pretty bad advice. You have nothing to lose by sending a DV for a debt outside of SOL. The advice there also ignores state laws like TX has that DO give a time limit for validation (30 days).

 

I would say that if your friend doesn't want to follow the advice here on CB, let them do what they want. As the saying goes, you can lead a horse to water but you can't make him drink.

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Recently, I had turned a friend/co-worker of mine onto this board as I've been part and parcle to my own success story here (see link below). He asked for advise and where to start the journey so many of us here have already made.

 

Once deep into the conversation I mentioned the one two punch AND an the official "Validation Letter". The day ended, he had signed up to creditboards!! All was well right, he had the info he needed to get going yes?? Not so fast, this link is what I had in my mail box from him this morning.

http://www.avoidbk.com/debt-validation-letter/

This guy is not only one of the most hated/best debt collectors (by his own admission) but thinks himself the "Gordon Ramsey" of debt settlement. With his business model I can easily see him getting kick backs from the collection agencies in addition to his clients PAYOUT. scum - scam. His business model is basically settle for less than the original amount and seven years of whacked credit - umm no thanks...

 

Needless to say I told my co-worker that READING-READING-READING on this board will make the biggest difference in his credit future not paying this dope.. It can be done personally, I've done it and so can you. It just takes time..

 

We will see what he does. I just wanted you all to be aware of this guy and his "Validation Letters are useless and settle for less than the original amount" guy. He probably slithers around here for all we know.

 

Peace

 

Yup, more than likely. We had a few come through, giving, shall we say, "suspicious" advice... I distinctly remember one guy advising an OP to settle with a debt collector. He got jumped on pretty well, and *appears* to have slithered away. And I would commend this forum for quickly dissecting and bashing most/all pro-DC advice, which gets tossed out sometimes on here, with only the person posting it looking like a negative fool.

 

CB is pretty good at nuking even the most legitimate looking of screennames, with nasty debt collector scum lurking behind them. Many thanks to all the members, for calling out suspicious, misleading, and just plain wrong and/or troll advice when they see it. This community is the antithesis of debt collectors, so.. Even those that try to blend in.. Their stripes show.

 

Now, Has your friend been reading CB, and not running around saying such nonsense as "OMG all I need to do is pay a CA" - which, to oversimplify, nobody should EVER say?

 

Oh, and I have the popcorn ready. Usually, calling out DCs tends to draw out those lurking that are just laying in wait to misadvise someone.

 

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Pretty bad advice. You have nothing to lose by sending a DV for a debt outside of SOL. The advice there also ignores state laws like TX has that DO give a time limit for validation (30 days).

 

I would say that if your friend doesn't want to follow the advice here on CB, let them do what they want. As the saying goes, you can lead a horse to water but you can't make him drink.

 

Yep! Pretty horrible. I am surprised they left the link up.

 

But, from the third line, after a super quick scan (and a very pro-DC statement in the first paragraph.. ugggh,) I see it says:

 

 

 

If you feel your debt isn’t valid, and this information doesn’t apply to you, then you should send a Debt Validation Letter.

 

Now, the correct advice: Always DV first. I remember this from reading about how to dispute baddie, here on CB.

 

Believe what you want, but, crap advice can e more damaging than people think.

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Pretty bad advice. You have nothing to lose by sending a DV for a debt outside of SOL. The advice there also ignores state laws like TX has that DO give a time limit for validation (30 days).

 

I would say that if your friend doesn't want to follow the advice here on CB, let them do what they want. As the saying goes, you can lead a horse to water but you can't make him drink.

 

Yep! Pretty horrible. I am surprised they left the link up.

 

But, from the third line, after a super quick scan (and a very pro-DC statement in the first paragraph.. ugggh,) I see it says:

 

 

 

If you feel your debt isn’t valid, and this information doesn’t apply to you, then you should send a Debt Validation Letter.

 

Now, the correct advice: Always DV first. I remember this from reading about how to dispute baddie, here on CB.

 

Believe what you want, but, crap advice can e more damaging than people think.

 

And the advice on CB is also to only DV debts outside of SOL unless you are prepared to pay.

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Pretty bad advice. You have nothing to lose by sending a DV for a debt outside of SOL. The advice there also ignores state laws like TX has that DO give a time limit for validation (30 days).

 

I would say that if your friend doesn't want to follow the advice here on CB, let them do what they want. As the saying goes, you can lead a horse to water but you can't make him drink.

 

Yep! Pretty horrible. I am surprised they left the link up.

 

But, from the third line, after a super quick scan (and a very pro-DC statement in the first paragraph.. ugggh,) I see it says:

 

 

 

If you feel your debt isn’t valid, and this information doesn’t apply to you, then you should send a Debt Validation Letter.

 

Now, the correct advice: Always DV first. I remember this from reading about how to dispute baddie, here on CB.

 

Believe what you want, but, crap advice can e more damaging than people think.

 

And the advice on CB is also to only DV debts outside of SOL unless you are prepared to pay.

 

 

Ehrrmm... In furtherance of why to always DV:

 

I have been noticing a lot of posts lately that seem to be talking the nuts and bolts of credit repair and negotiations with CA's that don't even mention validation. Remember validation is our most valuable right when dealing with a third party collector. Validation is the single most important step of your credit repair if you’re looking to pay/sue/negotiate/prove ID mistakes. If you have a CA of any kind on you’re reports or actively calling you or writing dunning letters

 

V-A-L-I-D-A-T-E!!!!

 

Even if you’re currently in a payment plan with a CA, validate. Even if you’re trying to get a paid CA TL off, validate. I don't care what the situation is, if you've got a CA on your tail, validate. And follow through, don't let them off the hook!

 

I put it all in that pretty blue color, but the source: http://creditboards.com/forums/index.php?showtopic=56494

Post name: VALIDATION! IT IS YOUR SAVIOR!

Post date: 9/24/2004

Referenced again in Jen23514's thread: http://creditboards.com/forums/index.php?showtopic=425508

Date on that: 2010 sometime

 

Post text:

 

 

Posted 28 January 2010 - 04:23 PM

What is disputing and why?

 

Basically, there are two main types of disputes (more, but let's stick to 2 for now). Disputing with the CRAs (credit reporting agencies) and disputing with the CAs (collection agencies). How you dispute with them, is based on your circumstance and knowledge of the laws and what you are hoping to accomplish.

 

The FCRA gives the consumer the right to challenge any information on their credit report. On CB, this is referred to as asking for verification.

 

http://creditboards....?showtopic=3802

 

http://creditboards....showtopic=13898

 

The FDCPA gives the consumer the right to ask the CA to provide documentation that the debt is indeed yours. On CB, this is referred to as requesting validation.

 

http://creditboards....showtopic=56494

Still confused on the difference between verification and validation? Try these threads:

 

http://www.creditboa...?showtopic=3802

 

http://creditboards....showtopic=71997

 

http://creditboards....showtopic=37566

 

http://creditboards....?showtopic=3310

Of course, I didn’t post every thread out there on validation versus verification, but hopefully these will give you a base.

 

Knowing the difference between the two is vital to your success.

 

 

:good:

 

As to the other clown, tell him to go on Dr. Oz and make millions.

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Hi Recruiting, pretty vile stuff here. I noticed a lot of traffic coming from this site in my analytics, so I thought I would check it out.

 

I'm the guy you're talking about. What exactly is the problem? Did you read the entire article? I'm guessing not.

 

How about you refute the points and opinions I made and have an intelligent conversation, rather than libeling me on the Internet?

 

And where do I admit that I was one of the most hated debt collectors? I was good at it, when I did it, because I took the exact opposite approach to what is typically taken. I treated people the exact same way I would want to be treated myself. I viewed myself as a problem solver and not a debt collector, back when I was in the collection industry. I was actually logical and sensible.

 

How and why would I get kickbacks from collection agencies? I never have, by the way.

 

And as far as my business model is concerned, when I was in collections, I found that most people want to pay their bills, but their situation was too grave to where they couldn't. My business model is designed to help people who have an asset or other financial resource that would enable them to resolve ALL of their delinquent accounts right away and at the same time. How is that a scam?

 

When I was in collections, I encountered people all the time who cumulatively owed way more than what they could get their hands on. I developed my service to help these people try and solve their problem with what they have available to them.

 

Congratulations on being the first person in 12 years to say anything negative about my services. It's a shame that you didn't take more than moment to try and understand what I do for people.

 

Anyway, read the article and post your specific concerns, I'll be more than happy to have a civil and rational debate....

 

Best,

 

Jared Strauss

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Pretty bad advice. You have nothing to lose by sending a DV for a debt outside of SOL. The advice there also ignores state laws like TX has that DO give a time limit for validation (30 days).

 

I would say that if your friend doesn't want to follow the advice here on CB, let them do what they want. As the saying goes, you can lead a horse to water but you can't make him drink.

 

 

Hi Lucky,

 

How is it good advice to send a debt validation letter on an account that is out of statute of limitations? If they respond with validation, doesn't that leave open the ability for future communications, and thus opportunities, for the consumer to acknowledge the debt and potentially restart their clock?

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Pretty bad advice. You have nothing to lose by sending a DV for a debt outside of SOL. The advice there also ignores state laws like TX has that DO give a time limit for validation (30 days).

 

I would say that if your friend doesn't want to follow the advice here on CB, let them do what they want. As the saying goes, you can lead a horse to water but you can't make him drink.

 

Hi Lucky,

 

How is it good advice to send a debt validation letter on an account that is out of statute of limitations? If they respond with validation, doesn't that leave open the ability for future communications, and thus opportunities, for the consumer to acknowledge the debt and potentially restart their clock?

No, it doesn't. Obviously you have no idea what you're talking about and should not be giving advice.

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LOL!!!!! :clapping:

 

Here we go.

 

35.gif

 

36.gif

 

Mis information is king....

 

 

 

Should I get in on this…… :rolleyes:

 

 

I'm holding back, myself... :rofl:

 

But let's just pepper this thread with some birdshot/fact: http://creditboards.com/forums/index.php?showtopic=3802

 

Q5. Why bother with validation at all? Why not proceed directly with the verification process? I think I know the answer to this one, but I am interested to hear anyway.

You bother with validation because it establishes what you owe and who it is owed to as well as what records the debt collector's have, if any. If they don't have the records, or can't obtain them, then validation can't be accomplished. Once it is requested, collection activity must cease until it is provided.

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LOL!!!!! :clapping:

 

Here we go.

 

35.gif

 

36.gif

 

 

Mis information is king....

Should I get in on this :rolleyes:

I'm done in this thread. When someone believes themself to be an expert but doesn't understand the most basic principles or ideas, it's not worth arguing.

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Recently, I had turned a friend/co-worker of mine onto this board as I've been part and parcle to my own success story here (see link below). He asked for advise and where to start the journey so many of us here have already made.

 

Once deep into the conversation I mentioned the one two punch AND an the official "Validation Letter". The day ended, he had signed up to creditboards!! All was well right, he had the info he needed to get going yes?? Not so fast, this link is what I had in my mail box from him this morning.

http://www.avoidbk.com/debt-validation-letter/

This guy is not only one of the most hated/best debt collectors (by his own admission) but thinks himself the "Gordon Ramsey" of debt settlement. With his business model I can easily see him getting kick backs from the collection agencies in addition to his clients PAYOUT. scum - scam. His business model is basically settle for less than the original amount and seven years of whacked credit - umm no thanks...

 

Needless to say I told my co-worker that READING-READING-READING on this board will make the biggest difference in his credit future not paying this dope.. It can be done personally, I've done it and so can you. It just takes time..

 

We will see what he does. I just wanted you all to be aware of this guy and his "Validation Letters are useless and settle for less than the original amount" guy. He probably slithers around here for all we know.

 

Peace

 

Yup, more than likely. We had a few come through, giving, shall we say, "suspicious" advice... I distinctly remember one guy advising an OP to settle with a debt collector. He got jumped on pretty well, and *appears* to have slithered away. And I would commend this forum for quickly dissecting and bashing most/all pro-DC advice, which gets tossed out sometimes on here, with only the person posting it looking like a negative fool.

 

CB is pretty good at nuking even the most legitimate looking of screennames, with nasty debt collector scum lurking behind them. Many thanks to all the members, for calling out suspicious, misleading, and just plain wrong and/or troll advice when they see it. This community is the antithesis of debt collectors, so.. Even those that try to blend in.. Their stripes show.

 

Now, Has your friend been reading CB, and not running around saying such nonsense as "OMG all I need to do is pay a CA" - which, to oversimplify, nobody should EVER say?

 

Oh, and I have the popcorn ready. Usually, calling out DCs tends to draw out those lurking that are just laying in wait to misadvise someone.

 

35.gif

 

36.gif

 

 

 

Hi Joseph,

 

I have my pop corn in hand too! :)

 

So what exactly in the article is misinformation?

 

Again, I'm hoping we can have a very civil and rational debate. Let's all do our best to keep this exchange as professional as possible. Thank you.

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Pretty bad advice. You have nothing to lose by sending a DV for a debt outside of SOL. The advice there also ignores state laws like TX has that DO give a time limit for validation (30 days).

 

I would say that if your friend doesn't want to follow the advice here on CB, let them do what they want. As the saying goes, you can lead a horse to water but you can't make him drink.

 

Yep! Pretty horrible. I am surprised they left the link up.

 

But, from the third line, after a super quick scan (and a very pro-DC statement in the first paragraph.. ugggh,) I see it says:

 

 

 

If you feel your debt isn’t valid, and this information doesn’t apply to you, then you should send a Debt Validation Letter.

 

Now, the correct advice: Always DV first. I remember this from reading about how to dispute baddie, here on CB.

 

Believe what you want, but, crap advice can e more damaging than people think.

 

 

 

Hi again. I encourage you to read the entire article and not just a "quick scan". Thank you.

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Recently, I had turned a friend/co-worker of mine onto this board as I've been part and parcle to my own success story here (see link below). He asked for advise and where to start the journey so many of us here have already made.

 

Once deep into the conversation I mentioned the one two punch AND an the official "Validation Letter". The day ended, he had signed up to creditboards!! All was well right, he had the info he needed to get going yes?? Not so fast, this link is what I had in my mail box from him this morning.

http://www.avoidbk.com/debt-validation-letter/

This guy is not only one of the most hated/best debt collectors (by his own admission) but thinks himself the "Gordon Ramsey" of debt settlement. With his business model I can easily see him getting kick backs from the collection agencies in addition to his clients PAYOUT. scum - scam. His business model is basically settle for less than the original amount and seven years of whacked credit - umm no thanks...

 

Needless to say I told my co-worker that READING-READING-READING on this board will make the biggest difference in his credit future not paying this dope.. It can be done personally, I've done it and so can you. It just takes time..

 

We will see what he does. I just wanted you all to be aware of this guy and his "Validation Letters are useless and settle for less than the original amount" guy. He probably slithers around here for all we know.

 

Peace

 

Yup, more than likely. We had a few come through, giving, shall we say, "suspicious" advice... I distinctly remember one guy advising an OP to settle with a debt collector. He got jumped on pretty well, and *appears* to have slithered away. And I would commend this forum for quickly dissecting and bashing most/all pro-DC advice, which gets tossed out sometimes on here, with only the person posting it looking like a negative fool.

 

CB is pretty good at nuking even the most legitimate looking of screennames, with nasty debt collector scum lurking behind them. Many thanks to all the members, for calling out suspicious, misleading, and just plain wrong and/or troll advice when they see it. This community is the antithesis of debt collectors, so.. Even those that try to blend in.. Their stripes show.

 

Now, Has your friend been reading CB, and not running around saying such nonsense as "OMG all I need to do is pay a CA" - which, to oversimplify, nobody should EVER say?

 

Oh, and I have the popcorn ready. Usually, calling out DCs tends to draw out those lurking that are just laying in wait to misadvise someone.

 

35.gif

 

36.gif

 

 

 

Hi Joseph,

 

I have my pop corn in hand too! :)

 

So what exactly in the article is misinformation?

 

Again, I'm hoping we can have a very civil and rational debate. Let's all do our best to keep this exchange as professional as possible. Thank you.

 

 

Hi there. :wave: Seems you replied as I was typing mine...

 

Well, I am reading your site now, and .. you present some "interesting" information. One piece I am particularly wondering about, is:

 

 

 

In 12 years time, I have never, not once, recommended to my clients to send a debt validation letter on a valid debt.

 

Now, as to the quoted, from the webpage. May I ask why that is?

 

And, another question.. Do you know what board you are on? :blink:

 

And, lastly, for this post.. Without putting words in anyone's mouth here, everyone here can speak for themselves.. You appear to have been involved in for-profit debt settlement. Without getting too deep into it.. is that accurate? Or would you take issue with that statement.

 

 

 

Hi again. I encourage you to read the entire article and not just a "quick scan". Thank you.

 

Yes, I felt compelled to check out the page. Am reading it now, since it's out there.

 

Again, you seem to be in good spirits, and came at me with respect, so. Though I am loyal to Creditboards.com and I should state that.. I now hit the "Post" button.

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Pretty bad advice. You have nothing to lose by sending a DV for a debt outside of SOL. The advice there also ignores state laws like TX has that DO give a time limit for validation (30 days).

 

I would say that if your friend doesn't want to follow the advice here on CB, let them do what they want. As the saying goes, you can lead a horse to water but you can't make him drink.

 

Hi Lucky,

 

How is it good advice to send a debt validation letter on an account that is out of statute of limitations? If they respond with validation, doesn't that leave open the ability for future communications, and thus opportunities, for the consumer to acknowledge the debt and potentially restart their clock?

No, it doesn't. Obviously you have no idea what you're talking about and should not be giving advice.

 

 

 

It doesn't? How so? If a consumer receives a response to the validation request, won't the consumer generally be tempted to communicate further? Doesn't that further communication expose the consumer to potentially acknowledging the debt? Sure it does!

 

Again, sending a debt validation letter in this scenario is foolish. Especially for consumers who don't have a lot of experience with dealing with these types of things, which is pretty everyone.

 

A cease and desist letter is the safest maneuver in this situation, because it eliminates the possibility for the consumer to put their foot in their mouth.

 

And, in the event that credit deletions are the goal, dispute through the credit bureaus on out-of-stat debts. Not with the CA's themselves.

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Can you post the entire article here?

 

Please

 

 

Can you post the entire article here?

 

 

Both this site and mine could be heavily penalized by Google for duplicate content, so no. The link to it is in the first post. Thank you.

 

 

OK, you just lost my respect.

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There is one glaring problem with using his "services." If he becomes known and only works with clients that he has verified have the current ability to pay then any halfway, non-brain dead, debt collector will immediately elevate that account to, as they say, "low hanging fruit."

.

Recipe for failure.

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    • By Ku6996
      I just received a call from Financial Asset Management systems saying that I was involved in a hit and run a year and a half ago and I now owe State Farm $2,600. I need help in figuring out if this is a scam or not. Here are some facts:

      *According to them, I opened my door and dinged an emergency vehicle, then drove away. I have no recollection of this incident whatsoever, and unless someone in my family took my car without my knowledge, I'm 99.99% sure this did not happen.

      *The vehicle owner filed a claim with their insurance (State Farm) and State Farm took care of the damages. Again, I was never notified until almost a year and a half later. If they had my vehicle description, wouldn't I have been notified by the police?

      *Now State Farm is "allegedly" using the debt collector to settle the debt from me in the tune of $2,600.

      *I have the option to make monthly payments OR if I make a lump sum payment, I get a % discounted and I only need to pay $1,800. (this part seems fishy)

      *They gave me a police report number, and I gave it to my cousin (who is a cop) but I haven't heard back on that yet.

      The name of the company is Financial Asset Management systems inc. I see a lot of complaints on ripoff report, but it still seems like a legitimate debt collecting firm.

      Can someone please offer some advice? I really don't want this to be on my credit report if I don't pay, but I shouldn't have to pay for something I didn't do. What are my rights for something like this?

    • By ICANHASMUNY?
      Federal Trade Commission, Plaintiff, v.
      Pinnacle Payment Services, LLC,
      Velocity Payment Solutions, LLC,
      Heritage Capital Services, LLC,
      Performance Payment Processing, LLC,
      Credit Source Plus, LLC (Georgia),
      Credit Source Plus, LLC (Ohio),
      Reliable Resolution, LLC,
      Premium Express Processing, LLC (Ohio),
      Premium Express Processing, LLC (Georgia),
       
      Lisa J. Jeter, Nichole C. Anderson, Hope V. Wilson, Angela J. Triplett, and DeMarra J. Massey, Defendants
      (United States District Court for the Northern District of Georgia)
      FTC File No. 1323043
      Case No. 1:13-CV-3455
       
      At the request of the Federal Trade Commission, a U.S. district court has halted an operation based in Atlanta and Cleveland that allegedly used deceptive and threatening tactics to collect phantom payday loan “debt” that consumers either did not owe, or did not owe to the defendants. The court order freezes the defendants’ assets to preserve the possibility of providing redress to consumers, and appoints a receiver.
       
      According to the FTC, the defendants operated under a host of fictitious business names that implied an affiliation with a law firm or a law enforcement agency, such as Global Legal Services, Allied Litigation Group, United Judgment & Appeals, Dockets Liens & Seizures, and United Judgment Center. Using robocalls and voice messages that threatened legal action and arrest unless consumers responded within a few days, the defendants have collected and processed millions of dollars in payment for phantom debts, according to the complaint. Their practices have generated almost 3,000 complaints to the FTC’s Consumer Sentinel.
       
      According to documents filed with the court, a typical message stated: “[T]his is the Civil Investigations Unit. We are contacting you in regards to a complaint being filed against you, pursuant to claim and affidavit number D00D-2932, where you have been named a respondent in a court action and must appear. There is a contact number on file which you must call, 757-301-4745. Please forward this information to your attorney in that the order to show cause contains a restraining order. You or your attorney will have 24 to 48 hours to oppose this matter.”
      Working out of offices in Cleveland and Atlanta, the defendants threatened consumers that if they did not pay, their bank accounts would be closed, their wages would be garnished, they would face felony fraud charges, they would have to appear in court thousands of miles from their homes, or they would be arrested at their workplace, according to documents filed with the court. Many consumers ended up paying the defendants for debts they did not owe because they feared the threatened repercussions of failing to pay, believed the defendants were legitimate and collecting real debts, or simply wanted to stop the harassment, according to the complaint.
    • By smiles32070
      Good day!
       
      My son attended the Art Institute in Philadelphia which he took out a loan for with the help of my mother; she cosigned for him. During his time in school (which he took longer to graduate than anticipated) we never received any notices regarding repayment and interest; not sure why, but because I am a student with loans and don't receive notices it didn't seem odd. Right before it was time for him to complete his internship we began to get notices that he was going into default for nonpayment. Again, I am a student and have been for the past 10 years (working on my PhD) and have never been asked to repay loans as long as I was in school. We had no clue he was supposed to be paying on these loans. Needless to say there were late fees and so forth added to the loan. Moving forward we learn that he had approximately $40,000 loans to cover an education that was supposed to cost about $15-20,000; and on top of that, to date the principle balance is approximately $40,000.
       
      My son never did graduate because of the current loans which made it difficult to even want to borrow anymore; nothing but internship left and he was unable to proceed. When speaking to Sallie Mae they stated that my mother forwarded her electronic signature for the loans; she would not have approved the amounts exceeding the cost of the program....and only signed for three to both our reollection. Also, we found out that the school charged my son for two programs....one that he changed after realizing he was in the wrong field. Since school he's help odd jobs but have not been able to really begin his career; my mother with her own responsibilities and student loans did all she could to help him make the payments he has made thus far; and my having financial difficultties also participated in trying to keep the loan from going into default we have gotten very little help from Sallie Mae. They have harrassed my mother to no end, and they are extremely rude. The payments continue to get higher, and the late fees continue to pile on, and regardless of how cooperative we are we cannot get a break. The enitre family has gotten involved, they have everyone's information and harrass us all; calls from sun up to sun set and beyond, and with all the harrassment no one is willing to help.
       
      So, to my main question....my mother is now retired and my son just finished up a temporary position and looking for work again. Today a payment is due and we do not have it; my mother was told that if this payment was not made the loan will go into default and Sallie Mae will be after her hom, her income tax, and her retirement income. My mother shares a home with my father who's name is also on the mortgage so she is very worried; in fact borderline depressed. We cannot keep up with this loan at the monthly rates they are asking...it is going to default.
       
      Please, someone tell me what happens when this loan defaults? What should we expect to happen and in approximately what time frame? I cannot tell my mother not to worry and it will be okay when I hear Sallie Mae make such threats. What if anything can I or she do to protect her home and income, especially considering that her husband shares in ownership?
       
      Thank you in advance for your help!
       
      Smiles32070




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