MICHIGAN -- I can appreciate any honest persons attempt to collect a debt; HOWEVER, when people make threats and cross the line for what is legally acceptable, something needs to be done. There are laws that govern what a collection agent can and can't do and these people, both men and women in this office, totally disregard all legal protocols when making comments about peoples family's and threatening clients. This is no joke and it is not an emotional response. Our circumstances are such that I can't pay my owed bill at this time, but fully expect to pay it hopefully soon.
Just because I can't pay immediately doesn't mean I won't pay at all. I am very familiar with the laws an agent must abide by and these people have never read the book. My advice, record their calls and keep an "air horn" like the ones used on a boat near the phone and when they tell your wife to go "hook" on a corner to pay your bill... BLAST THEM! Good luck with your hardship.
My sister has numerous student loans that have been dismissed due to a permanent disability. She had several through Citicorp and DVS now holds the loans. My mother cosigned on one 4000 dollar note and has been paying on it. DCS has now totaled all of my sister's outstanding debts and they are telling my Mom that she is responsible for all of them and if she does not pay 32,000 dollars in the next 48 hours, they will take all of her possessions and put her out on the street.
My mother is 70 years old and lives on a fixed income of $750 per month. Her house is paid for but she barely has enough to make ends meet. DVS is trying to make her pay for loans that she did not cosign on. She was going to do a reverse mortgage and send this company 32,000 to get them to quit harassing her. This company will not provide any documentation of her signature on the 7 loans in question.
LIVERMORE, CALIFORNIA -- I requested they take me out of wage garnishment so I could consolidate all my loans. They refused. Direct loans would pay the entire loan off to them so I could consolidate, Monica ** stated they wanted more money from me and would not help until I put more money out than they are already getting. I don't make that much and have a child I only support. I owe out to both the state and local taxes and they expected me to shell out more money. She then got nasty and hung up. This has been going on for 7 years. All I wanted was to consolidate, they are a terrible company. Whoever put them in charge is an evil hateful person. How do you get ahead if they won't help?
LIVERMORE, CALIFORNIA -- If you are in default with student loans and Diversified Collection Service calls you suggesting a rehabilitation program to stop the IRS from taking your tax refund... do not believe one word they say and hang up immediately. They will lie and abuse you verbally, take your money, and still your tax refund will be offset. This company has numerous lawsuits and class action suits against them. They have an unsatisfactory rating with the BBB of northern California. Contact the Dept. of Education about their tactics immediately.
COON RAPIDS, MINNESOTA -- My complaint about this collection agency I phoned in to let them know that the recipient of the past due bill passed away. I gave them specifics of the death and informed them the death is not officiated by the county yet because I am still awaiting results from the toxicology report. I informed them, the only official document I had was the obituary. The collection rep responded with a nasty response by saying "who cares, no one cares your brother died" and hung up the phone. I called back 5 minutes later to speak to a manager but I had a difficult time getting connected to one.
The second rep was getting an attitude after I explained my story and told me know one would be able to help me. He stated I was wasting my time. I am could not believe what was happening. I told him to please connect me to a manager and he hung up the phone on me. I would like everyone to know about this company. I was providing them with a courtesy call and all I got was crap from people who call themselves collection reps.