- Report: #146890
Complaint Review: AlliedInterstate - Columbus Ohio
-
Author Confirmed
Why?
AlliedInterstate
3000 Corporate Exchange Dr 5th Floor Columbus, 43231 Ohio, U.S.A.
Phone:
888-680-2954
Web:
N/A
Categories:
Business Rating:
(0)
Tell us has your experience with this business or person been good?
Allied Interstate ripoff Not honoring their 50% settlement offer Columbus Ohio
Due to assault Jan 2002 and recovery from assault for the remainder of 2002 and compounded by subsequent unemployment due to assault recovery and to the failing telecommunication industires, I was unable to maintain my good credit as I was unable to make payments to the creditors I owed. Furthermore, the unemployment agency had a glitch in their system that prevented my getting unemployment...instead they placed me in collections until a NC state representative investigated and cleared me of the collection debt. Moreover, they weren't going to give me unemployment benefits if I was "unhealthy" to work.
Due to assault recovery and lack of funds in 2002, I sent my 4 year old to live with her father for a little over a year until I could regain good mental health and employment. By the time I was cleared of this unemployment agency debt, I couldn't collect any unemployment because I was finally employed in April 2003. They don't give unemployment benefits to people who are employed. If it wasn't for the provisions of my Lord and my dear friends, I wouldn't have had any way to provide for myself during the period of recovery and unemployment.
With a steady income, I retrieved my daughter into my care in 2003, and I have systematically repaid each creditor when I had the funds to repay. I work two real jobs...one is the military and the other is civilian...and when selected, I model. I'm far from lazy, and I believe in paying back what is fair and duly owed...anything less is stealing.
I now have three remaining outstanding debts. In May, I was offered a bonus in the military for my telecom field and during the same time period an offer from AlliedInterstate was received for 50% settlement of my account. After taxes, my bonus was $500 less than the settlement amount. I saw this as God's mercy and grace on my situation...that settlement offer set the dollar amount to $800 over what I originally owed on the account.
I called AlliedInterstate to inform them that I wanted to take the 50% settlement offer but I had to wait for the money which wouldn't be paid for another three weeks at least. The collector told me that I was wasting her time, and she was extremely rude, threatening me with further action, and then hung up on me. Dismayed, I didn't call back since she apparently didn't want to speak with me unless I had money in hand.
Now I have the military bonus money in hand. I called this past Monday to pay the settlement offer of 50% using 100% of the bonus money I received after taxes plus skipping paying my household bills this month and funds I'd use for daycare to make up the difference. I was rudely informed that the settlement offer is now 65%...the 50% offer expired and they will not offer it again. I asked to speak to the manager, and I was placed with the same woman that hung up with me the first time I called.
She threatened me that if I didn't pay 65%, she will contact my commander. My commander already knows the history of my situation, so I told her that was fine. She wanted to know the name of my supervisor and his supervisor and his supervisor. So I gave her their names...they already know my situation, as well. But she never asked for their phone numbers or addresses...so I don't believe she was serious about carrying out the threat. Legal action against AlliedInterstate for disruption of business due to harrassment would soon follow if she did. And getting me fired or demoted in rank and pay seems counterproductive to the end goal of collecting a debt.
This collector insisted I pay the bonus money to her and go on a 6 month payment plan for the remainder. If I could afford the high monthly payment plan she offered, I would never have been in collections. It wasn't reasonable or acceptable on my income, and I would have defaulted...I don't want to give up that bonus money only to default on this debt...and then owing the ballooned account again. Anyhow, she insisted I pay by Western Union and insisted on giving me the address. I said no and good bye.
After reviewing comments online with others' interaction with AlliedInterstate, I'm more hesitant of giving my bonus money to them. They do have my fax number, and they are faxing the 65% offer Tuesday. However, I still cannot pay this 65%...even with the payment plan.
Why won't they accept the money and settle this account? The bonus money is enough to wipe out the other two smaller remaining debts. But I cannot use this for all three. All towards the two or all towards the one huge one...but not enough for all three. Why can't they work with me on this to resolve this fairly for all of us? Now I feel compelled to use the only funds I have towards the other two debts...then file bankruptcy.
Any advice out there?
Dai
Charlotte, North Carolina
U.S.A.
Click here to read other Rip Off Reports on Allied Interstate
Due to assault recovery and lack of funds in 2002, I sent my 4 year old to live with her father for a little over a year until I could regain good mental health and employment. By the time I was cleared of this unemployment agency debt, I couldn't collect any unemployment because I was finally employed in April 2003. They don't give unemployment benefits to people who are employed. If it wasn't for the provisions of my Lord and my dear friends, I wouldn't have had any way to provide for myself during the period of recovery and unemployment.
With a steady income, I retrieved my daughter into my care in 2003, and I have systematically repaid each creditor when I had the funds to repay. I work two real jobs...one is the military and the other is civilian...and when selected, I model. I'm far from lazy, and I believe in paying back what is fair and duly owed...anything less is stealing.
I now have three remaining outstanding debts. In May, I was offered a bonus in the military for my telecom field and during the same time period an offer from AlliedInterstate was received for 50% settlement of my account. After taxes, my bonus was $500 less than the settlement amount. I saw this as God's mercy and grace on my situation...that settlement offer set the dollar amount to $800 over what I originally owed on the account.
I called AlliedInterstate to inform them that I wanted to take the 50% settlement offer but I had to wait for the money which wouldn't be paid for another three weeks at least. The collector told me that I was wasting her time, and she was extremely rude, threatening me with further action, and then hung up on me. Dismayed, I didn't call back since she apparently didn't want to speak with me unless I had money in hand.
Now I have the military bonus money in hand. I called this past Monday to pay the settlement offer of 50% using 100% of the bonus money I received after taxes plus skipping paying my household bills this month and funds I'd use for daycare to make up the difference. I was rudely informed that the settlement offer is now 65%...the 50% offer expired and they will not offer it again. I asked to speak to the manager, and I was placed with the same woman that hung up with me the first time I called.
She threatened me that if I didn't pay 65%, she will contact my commander. My commander already knows the history of my situation, so I told her that was fine. She wanted to know the name of my supervisor and his supervisor and his supervisor. So I gave her their names...they already know my situation, as well. But she never asked for their phone numbers or addresses...so I don't believe she was serious about carrying out the threat. Legal action against AlliedInterstate for disruption of business due to harrassment would soon follow if she did. And getting me fired or demoted in rank and pay seems counterproductive to the end goal of collecting a debt.
This collector insisted I pay the bonus money to her and go on a 6 month payment plan for the remainder. If I could afford the high monthly payment plan she offered, I would never have been in collections. It wasn't reasonable or acceptable on my income, and I would have defaulted...I don't want to give up that bonus money only to default on this debt...and then owing the ballooned account again. Anyhow, she insisted I pay by Western Union and insisted on giving me the address. I said no and good bye.
After reviewing comments online with others' interaction with AlliedInterstate, I'm more hesitant of giving my bonus money to them. They do have my fax number, and they are faxing the 65% offer Tuesday. However, I still cannot pay this 65%...even with the payment plan.
Why won't they accept the money and settle this account? The bonus money is enough to wipe out the other two smaller remaining debts. But I cannot use this for all three. All towards the two or all towards the one huge one...but not enough for all three. Why can't they work with me on this to resolve this fairly for all of us? Now I feel compelled to use the only funds I have towards the other two debts...then file bankruptcy.
Any advice out there?
Dai
Charlotte, North Carolina
U.S.A.
Click here to read other Rip Off Reports on Allied Interstate
5 Updates & Rebuttals
Lyn
Los Angeles,California,
U.S.A.
**reverse default on student loan
#2Consumer Suggestion
Sat, December 16, 2006
Here are a couple ways I know to get a defaulted federal student loan back into good standing: 1)paying the balance in full. Most promissory notes state that if you fall into default that the balance in full is due immediately. 2)accepting and completing an out of court settlement on the loan. You can have all the fees removed and up to half of the accrued interest removed. 3)consolidating the loan- you basically take out a new loan to pay off the old one in bad standing. The consolidation company nuys the loan from the government and you then pay them back at a premium. 4)rehabilitating the loan- enter into voluntary approved repayment program for a length of about 9-14 months (depending on the type of loan). This shows that you are able to make regular timely payments. After the 9-14 month rehabilitation process the loan is sold (often back to original lender William D Ford direct Loan Company, Sallie Mae, etc) Your principle and intrest become your new loans Principle and all the remaining collection fees are removed. In addition to having the fees removed the US department of education also removes the negative tradeline from your credit report and restores availability of title 9 federal funding. Rehabilitation payment amounts are based on 1.29% of your total principle and intrest paid monthly. There are other ways your monthly payment can be calculated and you may be requested to pay a lump sum down payment. Once the loan is with the new lender you can work with on the new payment amount. Typically you can choose repayment option to pay the loan over 9-30 years. Also because you are no longer in federal default you can apply for hardship or foreberance. Make sure to continue making scheduled payments until you recieve written confirmation that your request for hardship or forbarence has been accepted or else you can wind up right back in federral default as the US department of eduaction is the Guarantor on the newly issued loan. 5)If you are disabled, dead, incarcerated you can apply for account resolution that can discharge the loan. You will need to provide written verification and wait for the department to approve or deny your claim. *** To the best of my knowledge there is no statute of limitations on federal student loans, in most cases student loans are non dischargeable through bankruptcy, and your wages can be attached for 15% of your w2 taxable net pay. In addition, they can also order your federal tax returns to be offsetted and applied to your loan. Garnishments and tax offsets are considered involuntary action and when payments by these methods are applied I am pretty sure that they first go to the collection fees then interest and lastly to your actual principle Hope I have been a little helpfull!! In my case I did the settlement because it was the best bang for my buck. Good luck -Lyn
Daniel
Tucson,Arizona,
U.S.A.
student loan
#3REBUTTAL Individual responds
Tue, May 02, 2006
I am being harrassed by Allied Interstate collection agency to pay my student loans. Is there anyway to 'reverse things" and get back on a forbearance or deferment plans on the payment of my student loans?
Pete
Hoboken,New Jersey,
U.S.A.
Don't give them a dime
#4Consumer Comment
Mon, June 27, 2005
A 50% settlement offer is fair, and it appears that they raised the settlement to 65% because they sensed you could raise the cash for the 50% figure. If you wish to file bankruptcy, do so. Do NOT pay off any more debt. Let the bankruptcy court stop the harrassment and decide who gets what from your eligible funds. But this is a personal decision and only you and your attorney can now if bankruptcy makes sense for you. If you wish to restore the 50% settlement, contact the original creditor and explain the situation, offering to pay the original creditor directly. This is not only honorable but given that we are coming up at the end of the month/quarter/first half of year, any collections manager at the original creditor's place will be pleased to take your settlement as new-found cash that improves their performance numbers. Good luck
Pete
Hoboken,New Jersey,
U.S.A.
Don't give them a dime
#5Consumer Comment
Mon, June 27, 2005
A 50% settlement offer is fair, and it appears that they raised the settlement to 65% because they sensed you could raise the cash for the 50% figure. If you wish to file bankruptcy, do so. Do NOT pay off any more debt. Let the bankruptcy court stop the harrassment and decide who gets what from your eligible funds. But this is a personal decision and only you and your attorney can now if bankruptcy makes sense for you. If you wish to restore the 50% settlement, contact the original creditor and explain the situation, offering to pay the original creditor directly. This is not only honorable but given that we are coming up at the end of the month/quarter/first half of year, any collections manager at the original creditor's place will be pleased to take your settlement as new-found cash that improves their performance numbers. Good luck
Pete
Hoboken,New Jersey,
U.S.A.
Don't give them a dime
#6Consumer Comment
Mon, June 27, 2005
A 50% settlement offer is fair, and it appears that they raised the settlement to 65% because they sensed you could raise the cash for the 50% figure. If you wish to file bankruptcy, do so. Do NOT pay off any more debt. Let the bankruptcy court stop the harrassment and decide who gets what from your eligible funds. But this is a personal decision and only you and your attorney can now if bankruptcy makes sense for you. If you wish to restore the 50% settlement, contact the original creditor and explain the situation, offering to pay the original creditor directly. This is not only honorable but given that we are coming up at the end of the month/quarter/first half of year, any collections manager at the original creditor's place will be pleased to take your settlement as new-found cash that improves their performance numbers. Good luck
