It IS your fault for harassing people who really can't pay.  I made an offer and it wasn't good enough, even though my husband has been out of work since December and I work part time and we have 3 kids.  So you call my work, my friends, my house at all hours of the day/night.  Trust me, I'd love to give you the money and tell you where to go, but you can't get blood from a stone.  And I'm sure as hell going to make sure my kids eat before you get a single penny from me.

Pioneer Credit, Valentina

They can add whatever fees that are legal in their state, but what they typically do is give you a bloated figure and then offer to "settle" so you feel so much better that you saved all that money!  Look up in your state what interest is legal, anything over that amount is not legally enforceable.  It sounds like 70 cents per day is not legal.  It is scare tactics, and if it is over 20 years it is beyond statute of limitations and they can't hit your credit, garnish anything or give you a "negative recommendation" (whatever the hell that is)  They buy  these debts for pennies, without much proof.  I wouldn't worry about it.

GO F*CK YOURSELF COS YOU AMAZINGLY STUPID !!!

These people are rude and ruthless..it dont matter how little you make..they will try to threaten you to pay your student loan off..even after they tell you about some "hardship' program" that i'm sure is a line of bull..cos even after the girl asked about my wages etc..she still told me i had money leftover...yeah right like a penny to my name you want it you cant have it!..also told me she was gonna give  me a "negative recommendation" and that she could garnish my social security..I'm not intimated by you people get real jobs instead harassing people over the phone!...oh yeah my loan was only 1,200 dollars but in the 20yrs its been in default they tact on another whopping 10 gran..and she told me they add 70cents per day pfft!!..good luck getting anything outta me...try again to rob a corpse when im dead !!

hey to all of you that think this place is a scam  its not they handle accounts for the government and they can garnish wages and can take tax returns what ever they have to do to get the money. you know

Your a liar and a thief.

Called my retired parents, asked if I owned a business which I do. Said they were calling regarding a loan for it and needed to speak with me. My mother got suspicious since I am in the process of selling it. Asked the guys name he said it was Rich Washburn & it was very urgent I call back regarding the loan to finish getting it processed. I have never heard of this company nor have I ever applied for a loan through their Credit Union?

The guy has the right to laughed. I agree with him. Your company is a scam. You probably work for some third party collection agency. We all know that your company buy loans for pennies and try to collect gold. We are hip to that game. You my talk all day and think you know what a human suppose to be but it's okay one day you will see it just amazedatstupidity.

so how is that wage garnishment going anyway?  Glad u  think its funny not paying for something u borrowed so i personally hope your ignorance has caused u to learn the hard way. collection agencies are not scams real people actually work there and if u cooperate like a decent human being they may actually help u

no it's not an alias thtas his real name and we dont say anyhting to get you to pay your loan you own a debt you signed the contract it's not our fault you don't wanna pay for what you borrowed from the government

They called and threatened me as well. The guy told me his name was Jamie. I don't remeber the chicks name but she said something about garnishing my wages. I laughed and hung up!

just one question wondering if this place is for real or is it just a scam?

Is this place  for real or is it a scam?

They just called me, said they had a contract with me. They were very rude to my daughter who answered the ph. I have never heard of these people.

The guy said his name was Todd Fowler...an alias ?

the guys name is matt cobin. the comanys name is pioneer

Please don't call a place of business.

They called my neighbor and asked about a reference for me and mentioned where I worked and that my phone was dissconnected so they could get a new #? Never said who they were??? creepy...

Called and tried to bully my wife. Gave an extension, but there wasn't one. Only one guy works there?

This is the number that Pioneer Collection Agency gives you as a call back number.  They are also using the number 585-237-7099.  They will say anything and threaten you to get you to pay bills even if you have no job or in the hospital with no money, etc.  NOT nice people at all.