I just started receiving several phone calls, first at my ex's house where I just moved from in May, and in the last 3 days on my cell phone from NCO.
My ex called me 2 weeks ago and said he accidentally called back this person who left a message because he thought it might be for him, since they never said who they were looking for. The message stated that it was a federal matter.
I called them back after speaking with him, and was told I had a student loan balance (from 13 yrs ago) of $430.90.
I explained I was in dire straights and that I could make payments, even though I told them that I thought I had finished paying that loan, that originally went to collections, but not until November.
This guy started asking me what I had to pay that I didn't have the money. I stupidly explained that I had a doctor's appointment, I don't have insurance, I had rent to pay, car insurance etc. He tried telling me that I should have plenty of money to pay this back.
I kept telling him, calmly that I was willing to work something out, but it had to wait until the beginning of November. This was the last week of September. He started getting nasty and saying, so you want me to wait 2 months? I said, no, November, October is a bad month. He replied with, but it's September, why can't you apy now? At this point I got angry and raised my voice to say, I JUST EXPLAINED TO YOU, My rent is DUE IN 3 DAYS, I don't even have enough to pay that! At which time, he says, "Well NOW who's the mature one", in a snide voice. I got so angry I said, F* Off and hung up.
Now, since two days ago, I started getting 'unavailable' phone calls on my cell phone. Most times, they don't leave a message. Yesterday they left one, it was a woman, saying she was Paula Strong from the Student Financial Department, and to call her at 800-227-4000... Which is NCO's number.
Tonight I get another call from her telling me that she has verified my employment and they will be garnishing my wages with no further contact. Duh... I don't work a regular job... They CAN't do that.
Yesterday after reading all of these reports, I got my credit reports. I do have a debt on there from NCO for a medical bill, but it's a different amount. Not on any of the three is anything from my college or any student financial loan of any sort.
I need advice, what do I do? I saw the cease and desist papers, and need to know if I should write one of those, a vaildation proof letter, or what?!?!? I can't stand these people, and I have a severe anxiety disorder to begin with. The phone calls are driving me nuts.
Any and all advice is welcomed and appreciated.
0 comments