Diversified Collection Services, Inc. DCS Harrassing phone calls both to my home and work threatening letters also. Livermore California
After several years of trying to work with the Department of Education on paying my balance of 4000.00. I was recently informed that DCS is now the collection company they have harrassed me numerous times at home and work. I have alway been willing to pay my debt but now it has gone up 2933.00 dollars. They want me to promise to send a certain amount and deduct a precentage every month. If this is not done I was told they would garnish my wages. I am not allowed personal phone calls at work from collections agencies, I am now walking on a thin line and on the verge of getting fired this causing me not to be able to pay for anything.
There has got to be help as to what our rights are from this company. Numerous calls are made to my home and job and they get more and more abusive and threaten with all kinds scare tactics. Department of Education was willing to lend the money in the first place they should try and work better with people so that things like this do not happen. People are losing there jobs and homes and this collections compnay does not care because they are on a commission. So it's ther duty to be rude and scare people especially those that do not make that much money in the first place.
Bubbles
Las Vegas, Nevada
U.S.A.
5 Updates & Rebuttals
Laurie
Haslet,Texas,
U.S.A.
I referred poster to sites that can help deal with the collection agency
#6Consumer Comment
Wed, November 05, 2008
I did not say to ignore them, I said fight them! www.budhibbs.com
Is an excellent resource for anyone dealing with potentially ILLEGAL collection activity.
Question everything a debt collector says - because they are usually lying.
Student loans do not have a statute of limitations so is always owed
Question whether this agency has really been hired to collect this. Lots of collection agencies buy information (not the debt) and try to collect on them without having the legal rights to do so.
You need to check with the funding company that you have already been paying and find out if your account was turned over to collections or not.
Life
Ames,Iowa,
U.S.A.
Dont take Laurie's advice
#6Consumer Comment
Tue, November 04, 2008
If you fail to pay back or resolve your debt, FEDERAL debt, because all unresolved student loans eventually go through subrogation and become a FEDERAL debt, then you will be facing litigation or federal offsets of federal or state tax returns as well as social security or disability. So go ahead and listen to Laurie, take her advice that this cant be done and that DCS is acting illegally, give it a few years, maybe 10, who knows how long it will take, and then wait for your government funds to be hit at 15%... and then write Laurie back and tell her 'Thank You' for the great advice.
Laurie
Haslet,Texas,
U.S.A.
Ignore the bottom feeders
#6Consumer Comment
Mon, October 27, 2008
They are trying to justify breaking FEDERAL LAWS.
THEY CANNOT CALL YOU AT WORK OR HOME Once you tell them to stop
WWW.FTC.GOV AND WWW.BUDHIBBS.COM
Both are excellent resources for fighting bottom feeders who attempt to collect on legally uncollectible debt.
The ones that refuse to stop calling are the worst of the worst and are trying to harrass you into a paying a bill you may not owe at all. Or one that is no longer legally collectible.
When they are collecting on behalf of the original creditor - they follow the rules.
When collecting in junk debt, (not collectible with legal means) they violate Federal Laws
Resty
Waunakee,Wisconsin,
U.S.A.
Sheeeeeeeeeesh People.....
#6Consumer Comment
Mon, October 27, 2008
You people take these loans out for whatever reasons. Then you stop paying for whatever reasons. YES I KNOW..life happens and you run short etc.
BUT just how much patience do you think these places need to extend to you when you're the one defaulting? You wanna scream harrassment and how unfair and nasty these places are...you want them to work with you....yet you want to be the one to dictate the conditions. They do YOU a favor and yet YOU wanna be the one to tell them what you'll pay and when you'll pay it. Im betting dollars to dog biscuits THAT was NOT in the origina loan agreement
quit whining and pay the place
Life
Ames,Iowa,
U.S.A.
Define Harrassed
#6Consumer Suggestion
Mon, October 27, 2008
Bubbles,
After you told them not to call you at work, and I mean really told them you cant have calls, did they call you back? Exactly. One grave misconception is that no one, especially a collection agency, can call your place of work. Anyone can call your place of work, as long as you havent told them not to call. No one can call you after youve told them not to call, I think that would have solved your 'thin line' problem. As for your rights, you have rights just as any business has rights to collect on monies owed. If you had used this loan to buy a car and then werent paying on the car should you be allowed to keep the car until, well, until you can pay again... or do u feel its the lenders right to come and get their car? The payments you speak of are actually set forth from the Department of Education. The program which will get you back to the good and out of collections is set forth from the Department of Education. I'm not sure I see where the Department of Education isnt working with you. I'm sure the Collection company cares, they just have a job to do, just as everyone else has a job to do. I doubt very seriously that anyone is going out of their way to be rude or to even scare you. I would think its probably more to the truth that you didnt like what they had to say about the wage garnishment and you dont feel you can afford to pay anything extra on this loan.