Dear Calyx and Sabii,
I'm sorry to hear that you're going through your own struggles nwith your loans.
Going to college was supposed to make my life better, it just made it worse.
I am stuck with these loans and no education. I still need to go to college.
I don't know if I'm posting in the right place, but here's the update:
I was garnished without notice.
I got a financial disclosure form.
I actually got notice that i am exempt from being garnished because I am suffering a financial hardship.
However, the garnishment continues. Why?
I sent another copy of my disclosure paperwork along with the notice of judgement in my favor.
I sent another one.
Is the Consumer Financial Protection Bureau my next step?
I am so sorry you're having to fight this still.
It's definitely CFPB complaint time and I second @Sabii 's suggestion of seeing if you can find a lawyer you can speak with.
In going back to school, I'm not interested in getting any loans. Only scholarships and credit for what I've already paid for an education.
Yes they got it before the deadline. And I know they did because I send this stuff signature required. I sent another copy of everything some time later and still no response.
New development However. I decided to call them a few weeks ago. I called the DOE, and was referred to the collection agency. Now normally I refuse to talk to the collection agency, as legally I don't have to. My beef is with the dept of Ed and my school. However, I decided to try my luck, as I have caught them doing something which is basically illegal.
To my suprise, It was easier to talk to the collection agency rather than the d.o.e..
The first call, in January, got some progress-- They admitted that there was an error, and said they would stop the garnishment and send out new financial disclosure paperwork. Of course, that didn't happen, but you have to do these things one at a time. These people are incompetent and underqualified, and they are what they are.
So after three weeks I decided to call again. First I called my employer which referred me to ADP which handles their payroll.
I told them the story first and they were shocked to hear of the situation. They immediately put me on email notification and told me to keep them updated after I called the collection agency.
This time I got better confirmation that the garnishment would stop. Of course both times I called, I wrote down the date, time, names of people I spoke to.
the good news is, on 2/6 I got my first email notification of the last garnishment. On Feb 13 and 14th, I got Garnishment stop notices.
When I checked my pay stub, I can see that my last pay was not garnished. I thought I would get financial disclosure paperwork, or something else in the mail.
Now I have to pursue getting my money back. I estimate that I suffered over $2,000 loss from garnishment without cause. I need this money to pay my bills.
I never got any paperwork or notice before I was garnished, nor any notices that I was actively being garnished.
Well, it's sort of good news, all that happened was that I stopped them from stealing from me.
All in all, they illegally took over $1600 from me.
I was told that they would be sending me paperwork, but I haven't received any. I thought they wanted to send me more financial disclosure paperwork. I've called them this week, and they don't seem to be interested in sewnding me anything, nor will they send me any documentation regarding the illegal garnishment.
The woman on the phone just kept asking me about making a payment plan. I said there will be no talk of a payment plan until they give me back the money they illegally garnished.
And I'm not happy about the fact that I never got any notice from them, or my employer about garnishment.
What do I do about that?
So what's next
In order for told to go back to school, you'll need to be able to get your transcripts.
You're blocked from that. Your loans are in default.