Xmas is the worst time for them to hit me
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Topic: Xmas is the worst time for them to hit me
Posted By: DaveInVictoria
Subject: Xmas is the worst time for them to hit me
Date Posted: 18/December/2006 at 11:16am
Not sure where to start on this... I have been under extreme stress this
weekend; nausea, a feeling of being trapped, unable to sleep, unable to
think clearly, and... well... 'other' physical symptoms.
This won't come out clearly, so forgive me, but I need to do something...
Student Loan (from 2002) is in collection (NCO) and I had been making
regular *minimal* payments, out of each paycheck (every two weeks)
since August, and have not missed a payment. New Agent on my file
pressured me to agree to 3.5 times what i was paying -- on the Dec 20
AND 27th (even though I offered "two weeks til the second payment"...
she refused: "But that puts it into January!" [??] It had to be by Dec 31st.
This will handicap my ability to save to get my own place. Which I must
do! Mom, is 81, doesn't really have room, yet no one else will help out.
NCO Agent will call back beginning of January to talk about further
**stepping up** the payments THEN. Which I *had* meant to do after I
had secured a new place, hence be able to seek work on days off to
augment my other work -- she turns it to mean we'll be stepping up right
away.
If I pay the amount they're asking, I remain a burden on Mom, yet they do
not care. They think I'm free and clear there when I'm not.
I get 2 to 4 hours or so internet a day (as I don't have my own), so I hope
someone can respond.
I have more to say, but I have thrown out too much for an intro...
Thank You,
Dave
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Replies:
Posted By: Casey
Date Posted: 18/December/2006 at 9:55pm
Hi Dave..
Christmas is a favorite time for going after the little guy.. your not alone here.
Reading through this site you would find that collection agencies use all kinds of tatics to try to get you to pay them more and more..
Pay only what you can afford without causing undue hardship.. You have the right to live, have a life without stress and worry. Even if you only send them $1 per month and can support your financial position, there is nothing they can do to you.. The collectors will keep calling, make threats and bothering you but there is nothing they can do.. If you can't pay, you can't pay.
It's Christmas... forget about this, don't let them cause you stress. Enjoy the season and take care of your health, that comes first!
In the new year take charge of the situation, don't let them scare and control you. Study the information on this site and learn your rights! Tell them what you can afford and what you will pay and stick to that.. Use the broken record method - keep repeating it to them until they hear what you say! Don't let them scare you with their threats, screaming, swearing etc.. You are dealing with a small minded person working on commission who is trying to make you pay more so they can get more..
Casey . .
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Posted By: DaveInVictoria
Date Posted: 19/December/2006 at 2:02pm
Casey,
Thanks for the response. I've been reading more here, there's certainly a
wealth of information.
To appease her, I said I would make the two online payments, (Dec 20th
and 27th), I can't go back on that. (That money would have bought the
first XMas gifts i have been able to afford in years. They won't get bought
now, because, of course, gifts for family are not legitimate expenses.)
Even though your response allayed the tension a bit, there is still
substantial concern, and I'm going to try to be a little more cogent in my
next post.
Thanks again,
Dave
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Posted By: DaveInVictoria
Date Posted: 21/December/2006 at 3:25am
I'll have to apologise for not posting the rest of my situation...
I'll be able to, most likely after Christmas.. maybe sometime in the new
year..
You see, a half hour ago, I caved in.
And called John. Things are going into motion now....
I'm finding it so much easier to smile. :)
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