Recently had a collection agency (Reliance Capital Solutions) pick up my DOE education. Account has NOT been paid in several years. In speaking to the company, they quickly requested me to upload financial documents, pay wages, medical/dental insurance payments, etc. into their portal.
I did confirm with DOE that they are the current holders of the account. They have never sent me any documentation in the mail. The address they have had on file is outdated. I did update it with them and STILL have not recieved anything. The documents I've printed out on their website DOES show DOE info, but NOT their company info. Reviews from both individuals and past employees are negative.
Additionally, my conversations within the company have been negative. I've even been passed onto a supervisor with the same attitude. I'm not saying I don't want to pay, I just want validation. In addition, some have complained about their payments not being posted and such.
Is it possible to reach out to another company and request they buy my loan? Is this acceptable? If so, is there a specific company that anyone suggests over another? And of course, I have bad credit and wouldn't be able to consolidate in a favorable situation.