Yes they can but they all have to take you to court before any garnishment and repos happen.
You called me,harassing me, but guess what I live by the Dave Ramsey Rule. If I can't buy it with what I got, then I don't buy it. I don't get loans. You will be hearing from my states Attorney General, by the way.
Well,if I had a student loan I would pay it but since I don't how about you people stop calling me.
Pissed Off Unemployed PhD
Right. Let me go ahead and pay you all the wads of extra money ($0) from the dream job (unemployment) I was promised in college (who coerced and forced the loans) that never materialized that I don't have. Fix the countries' economy, make decent paying jobs available for the educated, and stop trying to collect origination fess that are 400% the value of the loan, and stop threatening (illegally) and harassing (same) and literally screaming (f****ng retarded); then we can talk about repayment. Until then, kiss my a**.
Statue of limitations varies from state to state. Interest can not be charged to an account once it has been considered closed and if a person agrees to payment arrangement your company by law has to take it out of collections. Not to mention when a person challenges the validity of one of your claims, your company-BY LAW- must supply the defendent with proof of the debt owed.
To the readers out there, you can sue for harrassment by Windam Professionals and sue to have false charges made to your credit history. This company can not garnish wages. Also wage garnishment for a student loan is only $50 a month not a percentage of your profits.
Received a call this evening from 888-241-8262, Wyndham Professionals to verify information I previously provided regarding a past due educational loan. The gentleman I spoke with was very professional and kind, not at all snarky. He confirmed that I've made my past six payments on time and that in three more payments my loan would be rehabilitated and that my credit score would be improved. Wyndham has been quite helpful getting my loans current and I'd advise anyone with delinquent student loans to talk to them...They will work out a payment plan that is realistic with your income and expenses. You can't vacate student loan debt so you might as well work with companies like Wyndham to get yourself caught up...The longer you wait the worse it gets.
Unsecured poslovne financije, komercijalni krediti i hipoteke, imovina financije, radni kapital, kratkoro?ni premo??ivanje financija, imovine financija (razvoj ili buy-to-neka), trgovina financije, Equity / financiranja investicija i sl. Ako hitno trebate kredit mo?ete nas kontaktirati putem e-maila na:
f*** you a***ole!!!!!!!!!!!!!!!!!!!
Got this person named Brittney calling my phone won't leave a message and I will be blocking this number... If you can't state your purpose for calling
I do not have time to waste on you...
Wow what a sociopath
"but they can't take back an education (an incredible privilege to begin with)"
Really, how does it feel to be a sociopathic leech on society? Education is not a privilege.
Also by "Take care of it" you mean pay whatever I am told, even if that means I can't get a home to live in, or food. Or constantly live under threat by you people. By "Take care of it" you mean that the exorbitant fees that are automatically charged by Sallie Mae to bloat the principal perpetually making the loan permanent for life at the same monthly payment of more than half of most income.
Yeah, you have no idea what the hell you really represent there. You are just like the rest of those other ignorant scumbags who honestly think their crap don't stink, but in fact, overlook the business model that these loans are built around and that is there is absolutely no intention of negotiation or incentive to ever have anyone pay. Keep them form doing so long enough, that when they do, they are in debt for life even if they pay it on time. Then a day late, call 30 times to their place of work in the hopes of getting them fired so more debt can be accrued.
You are a very sick person. Those who are in default of these loans are not the cause of our financial problems in this country. It is those of you who are in this industry that skirt the law, are abusive, and make impossible situations so that students stay in debt for life.
Really, you are lucky the plan works and you keep people so poor they can't even afford to do anything but kill themselves let alone acquire devices to make your job quite dangerous. With what you do, and who and what you represent, I am amazed that someone hasn't already done something.
Because you primarily target and attack people with morals and actual ethics, that may be why the plan works and why it isn't a dangerous job for you to be in. Most of us wont do something like that, but we certainly can get caught in an ethical bomb in our head and want to kill ourselves so we aren't a burden on others. That is the reality of your job and what it does to people. But all part of the plan. When dead, collect from tax payers. There is no "privilege" for education from the kindness of Sallie Mae involved.
Allen isn't clear
Allen, it sounds like these are Federal loans through Sallie Mae and not Private loans. Private loans don't put liens on houses. Federal will. I have 1 year before I can dispute mine so that I can buy a home. I am going to do this knowing full well that 6 to 9 months later Sallie Mae will renew the charge on my credit report because they can. But they cannot put a lien on a home since my loans are private, not Federal.
But hey, you got a house. I am nearly homeless as a result of Sallie Mae. So good for you! Let it appreciate, the market is coming around. It has in the two years you have posted (albeit slowly) but you bought just after the bubble burst and started recovery so you should be locked in to a fairly good interest rate and paying off the home. Once you sell it, sure it will have to be 10-15 years before you aren't upside down with the lien, but come that time, you will be free and clear, plus probably still have a down-payment ready for another house.
i got a call from them today saying they are from Wyndham Debt Collection. i have no student loans so now im wondering what they want!
I received a call from this number and they left no message. I called back and all I got was an answering machine. They left no name or reason for the call and they are probably a collection agency. I owe no money, and I am a retired cop. Once these rectal orifices get your number they call constantly. I had collection agencies calling me for over 2 1/2 years, looking for my ex wife of 15 years ago, dead relatives, people with the same surname, people who had this number, 2o years ago. So I got an attorney and sued 29 collection agencies and we won every case in federal court, I am now $ 25,000 richer from this harassment and my attorney made a fortune in legal fees. I love when they call, I can use another $1000 settlement.
Who can I contact to report these unwanted calls from 888-241-8262.
A Girl in Texas
I think I may be the only one that has ha a positive experience with Wyndham who is processing loans for NYSHSE system. I initiated contact with them when Sallie Mae sold my loan to them. My loan payments at were on time. The only reason I noticed that something happened was my normal payment didn't come out of my account.
Sallie Mae didn't have any information for me so I had to call NYSHSE and found out the loan had been sold. Now I get a call that I request every month in addition to my statement as verification that my payment was received and processed. So far it's been good accept they didn't leave a message and called from this 888 number today.
If you have a concern about any collection agency that you feel is wrongfully contacting you contact the BBB for third party assistance in resolution and demand a copy of the original certificate of debt. By law it must e provided within 30 days.
If they fail to provide it you can dispute the debt with the major credit bureaus and the are not able to go after you for the debt. Keep in mind if you challenger a debt and it is in your name and social and they produce a certificate of debt you have bigger problems, like identity theft.
They called the customer service (a 1-800) number of the website for the company I work for. I have $0 in debt so there is absolutely no reason for them to call me. I paid of my student loans about 6 months ago.
they also call trying to get u to take out a loan or do those at home programs cause i do not owe any student loans and they keep calling me . i have no bills that have been let go iv never financed anything in my life so its not only a bill collector from this number
Obey the laws that regulate your business and you won't have to worry about paying out settlements when informed consumers sue you into the ground.
See how that works both ways?
You're an idiot.. I looked into this and it is a complete scam! I don't owe anyone money and found out they are using old online payday loans which were DENIED! That's how you got all my information.. Yes you can call asking us to pay a REAL debt on our home and work phones.. However, you are NOT allowed by law to threaten us with prosecutions, jail, etc.. Under federal law that is illegal. So acting like you know what you are doing and yes everyone THIS IS A SCAM!
As for me, I've paid my student loans over and again by5 times and these ppl are still harassing me. Yes, I got behind in the beginning, but instead of actually working with me as they said they were by lowering my monthly bill, they sold it to several different places while I was still paying with out telling me, so after paying one off another would pop up and start attempting to get more money from me stating that there were absolutely no records I had ever paid a dime on it period, when I provide info they just used it to help themselves to my work place for harassment. Now I'm on disability and no one knows who actually owns the rights to the actual account, but every month my check comes in it's 15 percent less than what it should be and they still call bugging as if they aren't stealing enough from me, oh and btw my balance is still not getting smaller, even though they have been paid and are still being paid. Seems like a tier scam to me.
THEY KEEP THREATNING TO TAKE MY MOTHERS SOCIAL SECURITY AND MY DADS HOME THEY ARE HEARTLESS... THEY DONT EVEN KNOW HALF THE STORY AND THEY WANT TO CALL PEOPLE AND THREATEN THEM
You are incorrect on ALL your assesment.
1. Student Loans from PRIVATE lenders can be included in bankrupcy proceedings if you show that you tried to settle and get in to an agreement with the entity.
2. Student loans from STATE/GOVERMENT CAN'T be included in bankrrupcy proceedings.
3. Collection companies buy the debt at a minimum amount and they can charge you as much as they want. For example a debt that someone owed in the amount of $30,000 is bought for $5,000 and then the collection company bills you $80,000 for "unpaid interest" during the term of your default.
4. Contact an attorney for bankrupcy proceedings and when the collection company calls you inform them you are filing to never contact you again, and the HAVE TO OBEY this request. They may ask you for the court's information, you can provide it if you wish.
5. Collectors are extremely rude and they will call your family members, past employers, pull your credit report (all your history) if they have the information. SO BE AWARE.
6. It is true they can garnish your wages without court's approval if YOUR STATE allows this practice.
7. If you have a small amount to payoff offer that to the collector to settle your debt.
I hope these things help.
And good luck the majority of people that are late, are actually responsible people who in some way or other are struggling to go by. Please if you know people going to school, share your stories so they do not suffer what you have been through.
Not they are not!
No they are not
Someone called my relative from this number, asking her that I need to call karen, because she is processing some papers for me. Why won't she call me if I have business with her? How can they get my relative's number?
Never give any information at all, tell friends and families be aware of these scammers.
Scammers, tornadoes and earthquakes will hit you one of these days, you should be the one to go first more than the others!!!!
I have received probably 5 calls from this number over the past 2 months and they only leave their name & number, but never the name of the company. I don't answer "unknown" calls & sure won't return calls if they don't mention the company they're representing. I did call the number to find out the name of the company so I could google it and it came up as a collection agency that specialized in school loans. First, I have no school loans & second, I have nothing in collections. I can only assume that it's a solicitor calling. I'll respond when they leave me a complete message...until then, they can keep leaving me messages. Looks like they're really up to something if two people have left entries regarding this within the last 2 days. Hmmmm.
just got a call from this number and she said she was illene (no last name) and when I asked to speak to her supervisor she stated that she was the only person and that she was in charge. She is calling me by my married name which I have not used in years (18) looking for someone that she claims is using me as a reference. She was rude and demanding of information that I could not give her. wonder how you get these people to stop calling? I have never had these types of calls. It is like she threatned me that if I did not give information she knew I owned property and knew the address...not sure why this would make me tell information I don't know. Who are these people?
THEY CALLED MY JOB..AND I NEVER ANSWER UNKNOWN CALLS ANYWAYS..I GOT THE NUMBER AND SHE LEFT A NAME. I FORGOT. BUT ITS THE SAME NUMBER..I WENT TO WHITEPAGES.COM AND DID A PHONE REVERSE SEARCH..AND HAD NO LUCK..SO I GOOGLED IT AND ENDED UP HERE. BUT I AM NOT CALLING BACK. I KINDDA KNOW THAT ITS FROM A COLLECTION AGENCY. SCREW THEM
They call at the same time everyday. I have told them to stop calling. They have the wrong person. Idiots!!!!! They are from Wyndham Debt Collection.