This is incorrect information. If you get seriously behind on your student loan, this is indeed one of the places that you might be dealing with. True, they will keep your return, but it will be paid through whichever collection agency is in charge of your account. Call the Dept of Ed and there's a very good chance they'll give you Premier's number. :)

Legit Call - This is due to falling behind on your student loan. Be it your fault or unplanned circumstances, you do still need to pay your bill. Government student loans are one you can just ignore forever. Best wishes to those in financial need right now.

Wow! these low life's that work for credit company probably make about $ 10 an hour!! they are uneducated loosers! if any of you Mother F****rs had enough brains to get into college in the first place you wouldn't be saying all these awful things. Psychology 101 s*** happens in life doesn't  matter who you are. If you haven't watched the news lately people are not paying college grads what they expected out of college and some times you still have to work two to three jobs to get caught up after college. it does not by any means makes someone a looser.. it makes someone trying to survive and live their life! you RUDE a***oles should F*** off and try a more humanitarian job! probably make you sleep better at night cause all of you harassers are going to Hell!

xoxo,
Shanno

This is a debt collection agency - there are two reasons you might have received a call from them (1) you have defaulted on a student loan or (2) somone gave them your phone number as a reference, so that if the company can't get a hold of that person, then they can call you and request that you pass on the message for that person to call Premier. They may not be authorzied to reveal information regarding the person who used you as a reference, so they may just confirm your name and if you know that person and to please have that person call the company.

My student loans were discharged years ago. So I honestly don't care what threats that your company makes.

#! Using all capital letters on the net is called "Shouting". #2 "1st Place" is a term for sporting events, not a point in time... (First)  #3 "Chidren would be more proper than "Kids". #4 Don't has an apostrophy. #5 I'm also has an apostrophy. #6 That's a bit too many o's in Loosers. #7 I'm sure that we're not all "Guys'...There may be a few females??? #8 After "Pathetic" there should be a period, not a comma. #9 "There"? Where? Did you mean "Their"? #10 You stated that you are "Thugs and Gang Bangers". People get arrested for such activities. #11 The person who posted that the government will withhold tax refunds for certain debts such as Student Loans and Chid Support was absolutely correct...Been there, done that. (-;

Susan, you need to do some researching: These people are ripping off "already paid in full students" in the name of the government. So, before you go victimizing these already victims do your research. There's nothing more pitiful than an ignorant, all in the cool-aid and don't even know the flavor B....! IT'S OBVIOUS WHO'S THE IDIOT HERE..... NO, IT'S NOT THEM!!!!

They're using these two numbers currently......
877 330 1801 and 317 322 3614

I agree that the Dept of Educ or original creditor should be informed of Premier Credits violations, but my experience has been that the original creditor (Dept of Educ) doesn't really care or at least their reps don't.  So to get around those representatives and get high enough in the organization with your complaint this is where the filing a complaint with law enforcement by using the *57 feature on your phone or calling them directly. They need documenation which where *57 comes in.  Also, file a complaint with the FTC.org each time they violate your rights.  Also, file a complaint with your State Attorney General and also their State Attorney General.  The more likely action will be taken.  Last, but not least write the President, your State and U.S. senators and representatives.  Also, make a note of who you speak with at the Dept of Educ and if they "tell you that you still must work with Premier" make sure to provide that information in your complaints.   Because if you don't the Dept of Educ will continue to ignore that the problem is not just Premier, but the fact that they are enabling Premier by ignoring and not taking action to continue their abuse.

PEOPLE ARE REALLY CRAZY!!!! IF ITS NOT YOU HOW HARD IS IT TO ANSWER THE PHONE AND TELL THEM TO MARK YOUR NUMBER DO NOT CALL!!!! IF YOU JUST TAKE THE TIME TO ANSWER THE PHONE AND GET IT TAKEN CARE OF YOU WONT GET ANY MORE CALL DUH!!!

We hire from the bottom of the barrel here at Premiere. ...

Please welcome Derrick, Jamal, Derron, Latisha, Lil' Blue, Jones, & Chasity - our newest & brightest employees!

Think about it folks ... we work on a commission basis. This is why we do what we do. No collecto ... no payo!

We know that 99% of the illegal tactics we use will never be reported to anyone. This is why we continue to operate as we do.

I am just happy that there are people we can bully. Most don't realize they can tell us to F/O ... and there are no consequences.

BTW folks ... the worst thing you can do for your credit is to begin to pay back a defaulted student loan. In case you didn't realize it, it's off your credit report after 7 years of no activity. If you begin to pay on it ... bingo, the defaulted loan shows up on your credit report again.

Very bad for your credit score.

Is it true the employee lounge at Premiere Credit is a functional gay bar?

The excact thing happened to me. The letter had a U.S. dept of education logo on the top. It was asking for my social sec and other info. $40k in loans and penelties! I have never even had a student loan before. Anybody defending these scam practices is working for the con-men themselvs. I ignored the letter and today I received a next day air UPS package with loan applications in it. My 13 yr old son says he keeps getting 3 or 4 866- calls on his track phone every day with some computer message on it and he hangs up. I an going to check to see if it is 866-808-7286.

WRONG WRONG WRONG, STOP GIVING WRONG INFO, folks it's not true that after 7 years school loans go away, FED SCHOOL LOANS DO NOT JUST GO AWAY, what happens is it ends up with collectors like these IDIOTS from premier credit collections, and if they don't happen to catch up with you someone will in the future, if they don't, when you start collecting Social Security they will garnish that,I don't happen to have this problem but know people that do.

GET A LIFE!

Please stop telling these out right lies, I do understand not everyone is evil but, collections are not monitored that well at all, that’s why the FTC is trying to change the laws to better protect the consumer from predatory practices as well as harassing phone calls,you all tell lies at one time or another and you all tack on fees well about what is owed. The least you collection people could do if your going to identify yourselves as collectors is tell the truth on these forums, no matter what lies you tell or how you try to sugar coat it you are all the same.

This has to be the best answer given so far,don't do business over the phone or give out your personal info,make them mail you something.

First off even if you are one of those so called collectors guess what, YOU DO MAKE MISTAKES ALL THE TIME, you call peoples homes about people who don't live there, you make threats and talk nasty even calling people names so don't sit here and act like everyone owes because not everyone owes, this agency,what they need to do is make more of an effort to verify the information they have to be sure they have the correct person.

Are you crazy,these people are the worst and will stop at nothing to get peoples personal info they even go as far as calling all over the country to try to look for u,and call strangers and people you don't know that live next door to you,giving them your information.

A Low IQ "Collector" stated ...

"We know the FDCPA laws and do abide by them   Mabey you should actually read the FDCPA and know the laws and the tactics that we use are legal!!!!!"
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Spoofing caller ID's to hide your real identity, and calling 8 - 10 times a day to annoy a person is generally considered harassment, and abuse. ... IN FACT, dim one, the FDCPA considers those activities to be just that!

Just need more people to take the initiative to log your calls, and make formal complaints.

Report all complaints on Premiere Credit to US Dept Of Education (800)433-3243 or if it's not student loans, the original client.  The more complaints they get, the more trouble the company will be in.  These need to be Fair Debt Collection & Practices Act (FDCPA) complaints such as: calling at the place of employment after being advised not to, disclosing information to a third party, using abusive language, misrepresentation, etc.  Google FDCPA to see if any of your rights were violated.

do you guys not understand that you agreed to pay back every cent that you were loaned? thats how loans work! ask yourself if it is fair for you to go to school on the taxpayers dime and then not pay it back. and then you look for handouts and loan forgivness???? do you realize that all the loans that are in default are preventing kids from getting financial aid? every dollar that is in default is a dollar that cant be used to help a kid get through school. do you think that the government is going to screw over future generations by giving you a free pass? even if you pay a dollar a day, pay it back. dont screw over your kids and grandkids, because that is exactly what you are doing by not paying back what you promied you would pay.

ok listen up...i have worked as a collector in the past and have also defaulted on a loan that i had a while ago, so i know both ends of this equation.
what many debtors dont realize is that yes, collectors CAN call you, your spouse, your parents, your neighbors, etc. unless told otherwise. what they are trying to do is get in touch with you so they can get your loan out of default! i cant begin to tell you how many times i helped people get back their credit and their life turned around so their loan isnt dragging them down anymore. you all can yell and scream and complain and whine all you want, but you fail to realize that this is NOT a scam, this is real life. you do owe the debt until proven otherwise! if they took your word for it every time they heard that "i dont owe anything" nothing would get done. if it is a legitimate dispute then it will be investigated by the client and proper steps will be taken, but the vast majority of the time it is just people trying to get out of paying. you have to have a healthy bit of cynacism with the job.
while yes, it may not be the best experience (i know i personally had to beg borrow and steal to keep up my payments) in the end it is the best option. your other options are much worse believe me. there is tax withholding, administrative wage garnishment, social security and disability garnishment, and unemployment too...and you will end up paying much more at the end of the day.
you have to understand that you did sign a contract to pay back the loan, and you didnt do it. there are plenty of options out there, but they cant help you if all you do is yell and be verbally abusive. imagine getting yelled and cussed at all day every day. collectors are people too, they are just doing their job. if you dont like it, thats too bad.
its like everything else in life, if you treat people the way that you would prefer to be treated, then things will work out much better.
there are options out there for you, and collectors know what they are and can help you get your loan taken care of, but if you expect it to just go away, youre mistaken. there is no statute of limitations on student loan debt, nor is it dischargable, and any lawyer who tells you different is just lying to you. im not kidding. i got so mad at lawyers to fed people a line 10 years ago and they thought that their loan was taken care of and it wasnt, i saw it every day. you can look it up on the internet if you dont believe me.
i realize it may be scary, and more than likely you will have to tighten your belt a little. but the alternatives are much worse, believe me, i had it happen to me. at the end of the day, you got yourself in this position, and you have to take the responsibility to get yourself out. collectors can help you do that.

MIKE VENTIMIGLIA...YOU ARE AN IDIOT...WHEN YOU SPOKE TO A REP AND TOOK THEIR WORD FOR IT ALL YOU MADE THE MISTAKE...THERE WERE NO LIES TOLD TO YOU...IT WAS SIMPLY A CASE OF MISTAKEN IDENTITY...ALL YOU HAVE TO DO IS TELL THEM THAT THEY HAVE THE WRONG PERSON AND VERIFY THE LAST FOUR OF YOUR SOCIAL AND DATE OF BIRTH AND THEY WILL TAKE YOUR NUMBER OUT...IF YOU MAKE ARRANGEMENTS, NO QUESTIONS ASKED, IT IS YOUR PROBLEM.  YOU HAVE THE BURDEN OF PROOF AND YOU COULD HAVE AVOIDED EVERYTHING BY THINKING AND NOT PANICKING!  SURELY, YOU DON'T THINK YOU ARE THE ONLY PERSON IN THE COUNTRY WITH THAT NAME...

For months, I have been receiving a pre-recored called asking me to return the call to 866-808-7286.  I have tried to call numerous times to insist that my phone number be removed from their call list. I was told it was in reference to a person I knew over 15 years ago.  I had no information to provide or "reference" and said I would not comment futher. I insisted to be removed from their call list.  And yet,the calls still come every weekend.

Poetic justice is within those like Kyle Baker at Premier experience cuts or job loss in the current recession or experience major medical.  I bet they start dancing to a different drummer the tables are turned.  Will I feel sorry for them.  No, because what goes round comes round.  They reaped what they sow.  

For of us we need to ask for change, not just for us, but our families, friends and the future generations.

The reason Premier Credit of North America spends so much time harassing those with goverment jobs or income such as social security is that they are easy to find. No effort to find these people and easy to verify and collect on through use of coercive tactics.  Sadly, you will find that many people with this low income don't know they have recourse and give up.  July 2009 an income based repayment program goes into effect. Go to the IRS Collection guidelines and then locate the hardship form on the Dept of ED site.  Apply for both.  This pushes your debt back to the US Dept of ED and "might" get some or all of it forgiven.   It isn't expensive to email or write the President, US and State Reps/Senators, Dept of ED, AARP, Council on Agency and other like them, as well as FTC, FCC and BBB.  or to sign petitions.  If you don't have a computer at home, then take time at work (set up hotmail or yahoo account) and do from work or go to the library to do this.  There are more of us than them.  Also check out groups such as those on FaceBook that are organizing for change as well.  The more complaints and awareness the more likely these changes will occur.  If our government can bailout banks and big industry and they constantly, then they can give relief to the citizens from student loans, whether is is total or partial loan forgiveness. This does take time, but it is worth it.  You cannot live on $800 per month.  Our government acknowledges this with the development of the IRS collection standards posted on the irs.gov site.   The more letters and petitions the more likely change will come.  Phone calls the those I listed work as well.  Just remain calm, stay factual and don't be disparging, just factual.   If you can record every converstation you have with the collection agencies.  When you start the conversation, say I want to make you aware that I am recording this call.  I find that 90% of the time they hang up on me, but guess what, I have that on tape.  It is very telling.  I even have the latest conversation I had with Kyle Baker at Premier  Collections on tape. I played it for the rep I spoke with at Dept of ED who was shocked and asked that I make a copy of it and mail it to them.  It takes time and effort, but it does pay off.

What business does a collection agency have talking to your neighbors, when the only legit reason they can, is to "locate" you??

Get this ... if they are calling your neighbors with the "reference check" ploy ... by definition, they already know where you are. Hell, they are calling your neighbors. How did they know who your neighbor was, if they didn't already know where you were.

This is a FDCPA violation, subject to a $1,000 award, plus attorney fees.

It's, plain & simple, harassment.

Squish these Premiere Credit A$$wipes ... flood ED, the FTC, & FCC with complaints about their illegal tactics!

next ...

I find it interesting that people tend to assume that everyone who receives these calls are deadbeats.  That isn't the case.  Things happen for example job loss or major medical or may the person with the loan graduated and in this current economy is still searching daily for a job.  Those who are so judgemental and refuse to look deeper more than likely will one day experience job loss or major medical, then suddenly, they will want help and have to deal with someone like them.  Others will end up like some of the corporate leaders who are under investigation and indicted because of their unethical and illegal acts.  My to all that are trying to stop the harassment, whether or not it is your debt, someone you know or total stranger is to file the  FTC, FCC, BBB, State Attorney General Complaints complaints. If they represent another business send a copy of those letters to that business.  Also write the President, US Attorney General, US Senators and Representatives, as well as your State Senators and Representatives.  Don't stop there, also join any class action law suits agains the offender.  Locate online petitions you can sign regarding the issue.  If you are over 50 write the Council on Aging and AARP.  Don't send just one letter, keep sending them.  Give them dates and names of who called (company, first and last if possible) and time of calls. If you can record each call.  If you answer the call let the offender know you are regarding each call.  Also write Cease and Desist letters the offender and send certified mail.   This is time consuming, but it will pay off in the long run. It is how change is made.  Ask your friends and relatives to sign the petition and write letters also stating their support of change that will make it illegal for this type of harassment and for greater enforcement.   I didn't note what type of loans/debt were involved, but make sure you ask for support of loan forgiveness as part of economic stimulation.  Keep in mind it doesn't have to be forgiveness of the full amount.  Also ask for income based repayment programs to be implemented, if not already.  Secondly, if these collection agencies have government contracts ask that these contracts not be renewed and that the government stop outsourcing to third party agencies who only add fees to the initial cost.  Keep posting to this and other sites.  There a number of support, lobby, action groups on Facebook and similar sites.  Keep the letters factual and keep personal comments about the character of individuals with these agencies out of the letter.  You can state they were uncooperative, coercive, intimidating, rude, repetative and such, but you can't call them sharks or scumbags.   I am one of these people impacted by medical costs that are more than a 1/3 of my income each month.  I tried to work with one such agency and got  no where, but I have made headway using the above method.  What is sad, is my loan was turned over not because I was not paying, but because I was paying in their mind too small of an amount.   There are actually IRS guidelines that these collection agencies and the companies they represent should be using when attempting to collect as to what constitute reasonable living expenses when calculating repayment.  But MOST OF THESE AGENCIES DO NOT FOLLOW THESE GUIDELINES AND THEY DO NOT COMPLY WITH CONSUMER PROTECTION LAWS.  

Be sure that you obtain the name (first and last if possible) of who you speak with at the agency/company that holds the debt and making collection efforts.  You want to provide these names.

Now, where did all the double digit IQ "collectors" run off to???

Spoofing a phone number, and calling someone 8 - 10 times a day is harassment & abuse according to the FDCPA. These dumb A$$wipes know it, and are beginning to be caught up in a tsunami of lawsuits.

Don't worry, people with old student loan "issues", ... you can bet there will be an O'Bama bailout for you in the very near future. Exactly what it will look like is unknown ... but, it's on the horizon as is a real updating of the FDCPA.

These low IQ staffed, hyper aggressive debt collection agencies are about to be neutered.

Start reporting the A$$wipes' illegal tactics to ED!
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The Department of Education currently contracts with several collection agencies to administer many of the collection activities of our accounts. Only those accounts which fail to establish and adhere to a repayment arrangement are subject to assignment to a collection agency by the Department's Debt Collection Service. Those accounts assigned to a collection agency are assessed additional collection costs.

Collection agency employees are trained to comply with the terms of the Fair Debt Collection Practices Act which governs collection practices by debt collectors.

When Debt Collection Service is notified in writing of complaints concerning our collection agencies, we review the evidence and take the necessary action to correct the situation.