Comments for Broke-Ass Student

Comment on How To Fight Back Against Collection Agencies by Tina

Tina — Thu, 18 Apr 2013 05:20:53 +0000

Thanks for your information. Here is my situation: while not smart on my part, my ex-husband of 18 years was in charge of our bank account the last 3 years of our marriage. What I did not know was he emptied our savings the last year of our marriage, and “saved” what was supposed to be my car payment and student loan payments for items too numerous to mention. In the process, he diverted calls and threw away any mail requesting payments. Fast forward….he slammed me with a very unexpected divorce and I was literally left and broke and homeless (the house story is for another time). My Stafford loan officers worked wonderfully with me. My private graduate student loan officers, jerks. Would not work with me at all and now my loans are with Waltman, Weinberg, and Reis. I have continued to make payments with them, but my Stafford loans and collection loans total a little over 800.00/month. I am smothering and can’t even afford my medications. I would like to return to school for 2 years to get my Physician Assistant degree just to make enough extra income to pay all these loans off before I retire in 20 years. I live in Kentucky and this would require 2 full time years, with no jobs on the side. While my student loans from the government can be deferred while I am back in school full time, WW&R tell me they cannot defer them. What are my options, if any? If I am not working, can they come after child support or my home (it is not paid off by any means and in both my new husband’s and my names)? Also, due to my medical condition, should I have to go to part time work (or be totally disabled) in the future, which is a real possibility, what happens then? Can disability & retirement be garnished? Shew! A lot of questions, but I am so humbly appreciative to anyone who can answer!

Comment on How To Fight Back Against Collection Agencies by rosemae

rosemae — Thu, 14 Mar 2013 23:37:01 +0000

Hi..
Iam receiving numerous phone calls right now from collection agencies… there were atleast 2 of them. I answered one of the phone call thinking i may resolve the issue by facing it. I do admit that i owe something.. and iam willing to pay it off all this year. But to pay it straight forward is what i cant do.. i do not have that much money. So when i spoke to the agent she told me to pay it right away..in full. I asked if i can do atleast by installments but she refuses.threatening me as to whats gonna happen if i dont do it. I told her that iam currently at my work and i just called in cause it was an important matter but she keeps on forcing me to talk to her regardless. I said im gonna figure out a way to probably borrow some money to pay to whatever i owed for but i need some time cause first iam at work my work and cant do long talk with her… but she still keeps pushing me…asking as to who am i gonna borrow it from???!! I feel so bad.. and mistreated.. i was expecting that in a way they could help me out but they made me feel miserable.i couldnt even function well at my work anymore ..i dont know what to do.. please help me.. i what should i do??

Comment on How To Fight Back Against Collection Agencies by tim

tim — Tue, 12 Mar 2013 16:20:45 +0000

will this letter work in canada? if not can you direct me to one that would work.

Comment on How To Fight Back Against Collection Agencies by Thomas Mullen

Thomas Mullen — Thu, 21 Feb 2013 02:48:54 +0000

To John Poe

I didn’t cause these debits by choice. I have been out of work for some time. Before I got into this situation I was pretty good about keeping up with my debit. I was also married at the time. I was working a good job that at least paid my bills. That was until the company that I was working for decided to outsource jobs which caused a number of people like myself to be downsized. Something that isn’t my fault. I did get a couple of jobs that in both cases didn’t pay much. The second of the job I lots I wasn’t able to find work. I have been trying with no luck. How can I pay my debits when I can’t even get work. If I didn’t have this problem I wouldn’t have gotten into this mess. I didn’t ask for this to happen. And I have been doing everything I could to turn things around. Things do take time and it doesn’t help a person to get work when they have to deal with these parasites harassing good people who are only trying to do the right thing. I am not a deadbeat by all means. But only being treated like one.

Comment on How To Fight Back Against Collection Agencies by Thomas Mullen

Thomas Mullen — Thu, 21 Feb 2013 02:13:35 +0000

I read your information and it has given me a new outlook on dealing with these parasites. But I would like to know about what do we do when the collection letter comes from a Law-firm? Some of the things that they say in their letter is about some of the same things you said to tell them. What do I do in this case?

Comment on Being Sued For Credit Card Debt by kt

kt — Thu, 07 Feb 2013 04:22:51 +0000

hmmm.. Chuck sounds like a Bottom-Feeder defending the Bottom-Feeders! In the league of the Bernie Madoffs of Bottom Feeders!

Comment on Quick! Give Me Your Tax Dollars! …. by Neshtoto

Neshtoto — Wed, 09 Jan 2013 09:12:59 +0000

The sad story here is that this is in fact the reality even as it looks so bad

Comment on Saving Now For Riches in the Future by Crystal @ Get A Copywriter

Crystal @ Get A Copywriter — Wed, 31 Oct 2012 18:16:08 +0000

Great life lesson! I was the kid that saved everything…but now in my late-twenties and am splurging a bit. But I won’t touch our retirement funds or stock investments. But the cash on hand keeps finding places to go…

Comment on Surviving Paycheck to Paycheck? You Can Still Start Saving by Broke-Ass Student » Blog Archive » Saving Now For Riches in the Future

Broke-Ass Student » Blog Archive » Saving Now For Riches in the Future — Mon, 15 Oct 2012 14:01:34 +0000

[...] Surviving Paycheck to Paycheck? You Can Still Start Saving [...]

Comment on By Taking Control of My Finances, I Took Back Control of My Life by Broke-Ass Student » Blog Archive » Saving Now For Riches in the Future

Broke-Ass Student » Blog Archive » Saving Now For Riches in the Future — Mon, 15 Oct 2012 13:59:08 +0000

[...] By Taking Control of my Finances, I Took Back Control of My Life [...]

Comment on How To Fight Back Against Collection Agencies by Janay

Janay — Thu, 11 Oct 2012 15:04:44 +0000

worst advice ever. I’m not kidding.

This won’t really get you far. Validation of debt takes maybe a week to get the info then send the letter out. Not talking to collectors makes it worse and they have to call more often. Validation only holds the calls back thirty days, in most cases.

A friend sent me this page then said that this was all they knew on collectors. Now i’m having to set him straight on cease and desist and educating him on the FDCPA. Theres also a law that he’s eligible for cause the phone isn’t in his name. There’s a small loop hole in the collections law that states if the owner of the phone number the agent is calling states that the calls are a disturbance to their house and that person is not who the debt is being collected on….then they must stop calling and find other ways to contact them. The owner states it is a disturbance to their home and no longer wants calls. There are hundreds of ways without even needing a letter that I can come up with. Speaking with the agent is the fastest way to even get rid of them. You just need to know. If you dont’ want them to call you again, just do a cease and desist letter. its the easiest way.

thanks for your bad advice.

Comment on How To Fight Back Against Collection Agencies by houston, tx

houston, tx — Fri, 07 Sep 2012 20:39:57 +0000

I want to sue for defamation of character to the debt colloctor. Can i do that? They called my cousin, father, and EVEN my human resource at my work place and left voice messages stating that i have a felony warrant out for my arrest and that i need to call this number. That if i dont call back i will be served court papers to my job and that is the reason she was calling because she wanted to know what is the proper steps to take to bring the police up to my job to serve me papers. My human resource lady was nice enough to let me know about this in private. I went to my desk i called the texas district attorney, texas dept of motor vehicles, harris county, to see if i had a warrant out and the answers were NO. However I was scared so i set up a payment for my debt HOWEVER i still want to sue the collection agency for them calling my work and even family members telling them that i have a felony warrant out for my arrest. At first i didnt care about calling my family but it crossed the line calling my job. I could have lost my job because of that call. Please help and let me know if you think i have a case. Thank you

Comment on Forex Trading Made Simple by Jennifer Lynn

Jennifer Lynn — Mon, 27 Aug 2012 14:46:15 +0000

I was a little surprised to find this comment tucked away in my inbox. Still around, J.P., but I've created a new site recently. Update your bookmark to Broke-Ass Mommy if you're interested in boogieing to my continued meanderings.

Comment on Forex Trading Made Simple by J.P.

J.P. — Sat, 25 Aug 2012 21:01:33 +0000

Hi BAS (Broke Ass Student),

Had your blog in my “Abandoned” folder in my Bookmarks, and just noticed you posted….after 3 years? So, how about a post on what’s been going on, and what changed your mind and inspired you to post again? Oh yeah, welcome back!

Comment on How To Fight Back Against Collection Agencies by Rodney

Rodney — Fri, 17 Aug 2012 08:56:50 +0000

I went thru the court process a few years ago and won. the clerk told me to get the judgement dismissed with prejudice. That means that another bottom feeding CA cannot pick it up and start the process all over again. Whenever the CA buys the debt, all they get is general info. I just waited and said it wasn’t me. we went to court and the judge gave them 60 days to prove it was me that procured the debt. When we went back to court they had no proof and had to dismiss the case. I am in New York and did not act scared to appear in court or face those cowards. Don’t get mad, get it dismissed with prejudice.