Latest Blog Posts

Bad debt, Sallie Mae

It's a private student loan, Bad debt, Sallie Mae. I'm assuming it was forward to an attorney office...

How can I stop Navient from harassing me

How can I stop Navient from harassing me, my family, and even old employers. They left me a nasty message tonight saying that I have made no attempt to pay my loan so have til thursday to pay. My father has tried to make payment arrangements but they want to take it directly out of his checking account and he does not want to do that. what can I do? I had to get loans for college through sally ......

contacted by navinet

I just got an email from my supervisor saying she was contacted by navinet because they are trying to reach me. Is this legal, I know that the payment plan set up with sallie Mae expired and that I'm at fault for not calling to set up new plan. But to call directly my supervisor that I would think is not correct. I appreciate any advice....

The Homestead Exemption in Chapter 7

In Chapter 7 bankruptcy, the “homestead exemption” – which varies by state – refers to the equity you can protect during your bankruptcy. Some states have large or unlimited homestead exemptions while others have none at all, and remember that Illinois does not allow a choice between the state and federal exemption system; you must abide by Illinois’s state system.Within Illinois’s Compiled Sta......

I hate Navient

I hate Navient. I'm currently a grad student but one of my loans from some years ago came due and wasn't eligible for in school deferment. So I started paying all I could $200 a month about a year ago. Every month haven't missed one. I've told them repeatedly this is all I can pay. They call me about 10-15 times a day leaving robomessages on my voicemail from a number that I can't even call bac......

I had a question regarding a call with Navient

I had a question regarding a call with Navient yesterday. My wife spoke with someone last month because she just started a new job with less pay. They put her loans on forbearance until October. We received an email yesterday saying an automatic debit was coming out this week. She called yesterday and was told basically "we can't stop the payment once it starts" even though the......

Navient, wants me to paid above my income

How does this work, Navient, wants me to paid above my income like 700 a month. I grad from college May 2014, some how my bill is 5,000 behind, now they want me to paid 700 a month, the call my co-signer all the time, harassing them with garnishments from their checks and foreclose. Raleigh,nc....

Avantus

Avantus, formerly known as “Advantage Credit International Inc.,” is a credit reporting and loan transaction company for the mortgage industry and is based in Pensacola, Florida. Avantus’s contact information is:15 W. Strong Street, #20-A...

Important Chapter 7 Reminders, Part 1

Chapter 7 bankruptcy can be a complicated process, and here are some important considerations for some of the lesser-known aspects of this type of bankruptcy:     - First Meeting of Creditors – Both you and your spouse (if applicable) will need to attend this meeting, and you’ll need both picture identification and proof of your Social Security number. It is usually scheduled f......

The Means Test for Chapter 7

If you are considering filing for Chapter 7 bankruptcy, you’ll need to pass a “means test,” which determines eligibility based on your income and unsecured debt. And if you feel overwhelmed, remember that you’re not alone. Speak with an experienced bankruptcy attorney today for a free consultation.The means test has two parts, and you only need to pass one to be eligible for Chapter 7 bankruptc......

Stop Nations Recovery Center Debt Harassment

Debt collectors like Nations Recovery Center cannot harass you over a debt.  You have rights under the law.  We will stop the harassment once and for all.THE BEST PART IS…If Nations Recovery Center violated the law, you will get money damages and Nations Recovery Center w......

Doctors Credit Service

Are you being harassed by Doctors Credit Service Inc over a debt? Stop the harassment and get money, all without paying for our services. You are protected under the Fair Debt Collection Practices Act (FDCPA), whether or not you owe the debt.The FDCPA has protected consumers since 1977. This federal law protects you from unfair or abusive debt collection practices through clear rules about what......

Fresh View Solutions

Are you being harassed by over a debt? Stop the harassment and get money, all without paying for our services. You are protected under the Fair Debt Collection Practices Act (FDCPA), whether or not you owe the debt.The FDCPA has protected consumers since 1977. This federal law protects you from unfair or abusive debt collection practices through clear rules about what debt collectors may and m......

SageStream, LLC

SageStream LLC is a credit reporting agency based in San Diego, California. SageStream’s contact information is:P.O. Box 503793 San Diego, CA 92150 Phone: (888) 395-0277 ......

Certiphi Screening

Certiphi Screening is an applicant screening service dedicated to the health care industry and is based in Warminster, Pennsylvania. Certiphi Screening’s contact information is:251 Veterans WayWarminster, PA 18974Phone: (800) 260-1680...

MIB, Inc.

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Avadanian & Adler

Are you being harassed by Avadanian & Adler over a debt? Put a stop to the harassment. Get money. Do it now without paying for our services. The Fair Debt Collection Practices Act (FDCPA) protects you, whether or not you owe the debt.The FDCPA has protected consumers since 1977. This federal law protects you from unfair or abusive debt collection practices through clear rules about what deb......

Common State Exemptions for Chapter 7

When filing for Chapter 7 bankruptcy in Illinois, you must use the state’s exemption system rather than choose between it and the federal system. Here are some common Illinois bankruptcy exemption statutes:     - 735-5/12- 1001 – Motor vehicle (up to $2,400), health aids, clothing, family pictures, school books, Bibles, personal injury compensation (up to $15,000), wrongful dea......

Conditional Tax Relief in Chapter 7

While many tax debts are not dischargeable in bankruptcy, in certain Chapter 7 bankruptcy cases you may be able to eliminate some state tax debts and IRS debts. However, proper timing and the assistance of an attorney are essential to maximize your tax relief, and filing at the wrong time can be extremely costly in the long run.Certain tax debts may be dischargeable in Chapter 7 under the follo......

Xerox Education Services LLC

Is harassing you over student loan debt? You are protected under various state and federal laws.  For example, you have rights under the Telephone Consumer Protection Act (TCPA), the Electronic Fund Transfer Act (EFTA), and the Fair Credit Reporting Act (FCRA). The TCPA has been around since 1991 and protects people from unwanted solicitation calls, robocalls, faxes, and text messages.......

TrueAccord

Debt collectors like cannot harass you over a debt. You have rights under the law, and we will stop the harassment once and for all.THE BEST PART IS…If violated the law, you will get money damages and will pay your attorneys’ fees and costs. You won’t owe us a dime for our services. Plus, some of our clients also receive debt relief and c......

How your Attorney Ensures a Successful Bankruptcy

Filing for Chapter 7 bankruptcy without the assistance of a dedicated bankruptcy attorney can be dangerous and put your discharge and new financial start in jeopardy. Without an attorney’s assistance, you may risk missing important deadlines, submitting incomplete information, or leaving exempt property unclaimed, and many who ......

New Era Asset Management

Debt collectors like , LLC cannot harass you over a debt. You have rights under the law, and we will stop the harassment once and for all.THE BEST PART IS…If violated the law, you will get money damages and New Era will pay your attorneys’ fees and costs. You won’t owe us a dime for our services. Plus, some of our clients also receive debt ......

Stop The CBE Group Debt Harassment

Is The CBE Group harassing you over a debt? Stop the harassment. Get Money. And you won’t pay us a dime for our services. Whether you owe the debt or not, you are protected under the Fair Debt Collection Practices Act (FDCPA). The CBE Group is a collection agency that has been in business since 1985. The CBE Group is headquartered in Cedar Falls, Iowa. The CBE Group is a full service ......

Common Reasons for Filing Chapter 7

The vast majority of Chapter 7 bankruptcy clients are good people who have simply fallen into difficult financial situations for a variety of reasons. Some clients are curious about the most common reasons to file for bankruptcy to see how their circumstances match with others’, and it’s important to remember that you are never alone if you are struggling with debt.While the law does not requir......

Your Home and Chapter 7

If you’re struggling financially and considering filing for Chapter 7 bankruptcy, you may be wondering about the future of your house and what you can do to protect it. In Chapter 7, you can protect your house if you are current on your mortgage and do not exceed your permitted amount of equity in the house, known as the “homes......

Ability Recovery Services LLC

Debt collectors like Ability Recovery Services, LLC cannot harass you over a debt. You have rights under the law, and we will stop the harassment once and for all.THE BEST PART IS…If Ability Recovery Services violated the law, you will get money damages and Ability Recovery Services will pay your attorneys’ fees and costs. You won’t owe us a......

Life After Chapter 7 Bankruptcy

If you’re filing for Chapter 7 bankruptcy, you may have a variety of questions about what things will be like when bankruptcy is over, such as how your credit will be affected and whether new credit will be available. The truth is that while individual cases can vary greatly, Chapter 7 offers you the opportunity for a fresh financial start, but you must begin and maintain sound financial practi......

Alltran Financial Services

Debt collectors like Alltran Financial, LP, cannot harass you over a debt.  Alltran Financial used to be known as United Recovery Systems.  You have rights under the law.  We will stop the harassment once and for all.THE BEST PART IS…If Alltran Financial, LP violated the law, you will get money damages and A......

Pendrick Capital Partners

Are you being harassed by Pendrick Capital Partners over a debt? Stop the harassment and get money, all without paying for our services. You are protected under the Fair Debt Collection Practices Act (FDCPA), whether or not you owe the debt.The FDCPA has protected consumers since 1977. This federal law protects you from unfair or abusive debt collection practices through clear rules about what ......

B F Harding Adjustment Co

Are you being harassed by B F Harding Adjustment Co over a debt? Stop the harassment and get money, all without paying for our services. You are protected under the Fair Debt Collection Practices Act (FDCPA), whether or not you owe the debt.The FDCPA has protected consumers since 1977. This federal law protects you from unfair or abusive debt collection practices through clear rules about what ......

FTC Releases Study On Debt Buyers

FTC Releases Study On Debt BuyersThe Federal Trade Commission (FTC) has recently released its study on debt buyers; the FTC looked at the debt collection industry because it spurrs far more complaints than any other industry. The FTC's research scrutinized data on debt buyers, examining more than 5,000 debt portfolios with almost 90 million consumer accounts—t......

Secured and Unsecured Debt Basics

If you are considering the opportunity of a discharge via Chapter 7 bankruptcy, you may be wondering what it does and does not do. Generally speaking, a discharge can clean your financial slate and remove much of your debt-liability, which can stop creditors from continuing to attempt to collect on that debt.Keep in mind, however, that a discharge can be undone in certain situations. Some examp......

B & B Collection Agency

Are you being harassed by B & B Collection Agency over a debt? Stop the harassment and get money, all without paying for our services. You are protected under the Fair Debt Collection Practices Act (FDCPA), whether or not you owe the debt.The FDCPA has protected consumers since 1977. This federal law protects you from unfair or abusive debt collection practices through clear rules about wha......

B & B Financial Service Inc

Are you being harassed by B & B Financial Service Inc over a debt? Stop the harassment and get money, all without paying for our services. You are protected under the Fair Debt Collection Practices Act (FDCPA), whether or not you owe the debt.The FDCPA has protected consumers since 1977. This federal law protects you from unfair or abusive debt collection practices through clear rules about......

second time filing a complaint against Navient

This is my second time filing a complaint against Navient. Since last filing a complaint, this company has placed a "cease and desist" order on my student loan account, therefore, giving me no information on my account. Everytime I have tried to gain information on repayment of this loan, I have been given different information, and in doing so, have accrued a large amou......

My loans are held by Navient

My loans are held by Navient. Once I realized they were billing me even though I was still in school. I called them spoke to a customer service representative and they told me my loans should be in deferment so I should wait till the school reports to clearing house. Well, I did what they told me to do. A week later I started getting calls from the delinquency......

company recieved an over-payment

The company received an over-payment of $184.70 on my account (which was confirmed by this company to be now paid in full) , confirms the over-payment, but will not issue a refund in an acceptable time frame. I don't feel that I should have to wait over 30 days for a refund....

BD Talmadge Collections

Are you being harassed by BD Talmadge Collections over a debt? Stop the harassment and get money, all without paying for our services. You are protected under the Fair Debt Collection Practices Act (FDCPA), whether or not you owe the debt.The FDCPA has protected consumers since 1977. This federal law protects you from unfair or abusive debt collection practices through clear rules about what de......

Accounts Clearing House

Are you being harassed by over a debt? Stop the harassment and get money, all without paying for our services. You are protected under the Fair Debt Collection Practices Act (FDCPA), whether or not you owe the debt.The FDCPA has protected consumers since 1977. This federal law protects you from unfair or abusive debt collection practices through clear rules about what debt collectors may and m......

requested all my student loans public and private be consolidated

I, Dale L. Baptiste, had requested all my student loans public and private be consolidated. I received a letter from my co-borrower Mrs. Lucia Edwards-Coleman, which she stated, that she has been paying on for the past several years. On Friday, January 04, 2013, I contacted Sallie Mae and spoke to Ms. Marsha, employee#C45646 y; who informed me, to forward a letter to Sallie Mae, Serv......

spoke to a representative of Navient

I have been past due owing to my unemployment. I spoke to a representative of Navient October of 2012 who said I would need to file for unemployment deferral. I completed the online form and the deferral was accepted. I was notified that collections would continue, and to make payments whenever possible. As of 1/22/2013 I spoke to an agent who informed me that deferral o......

C & A Investigations

Are you being harassed by C & A Investigations over a debt? Stop the harassment and get money, all without paying for our services. You are protected under the Fair Debt Collection Practices Act (FDCPA), whether or not you owe the debt.The FDCPA has protected consumers since 1977. This federal law protects you from unfair or abusive debt collection practices through clear rules about what d......

C & C Collections

Are you being harassed by C & C Collections over a debt? Stop the harassment and get money, all without paying for our services. You are protected under the Fair Debt Collection Practices Act (FDCPA), whether or not you owe the debt.The FDCPA has protected consumers since 1977. This federal law protects you from unfair or abusive debt collection practices through clear rules about what debt......

Violations Of The FDPCA

Violations Of The Fair Debt Collection Practices ActIn a still-dragging economy, the business of collection agencies has increased dramatically. But thankfully, there are laws that limit what debt collection agencies can do in their aggressive pursuits of debts, real or otherwise; the Fair Debt Collection Practices Act (FDCPA) is the primary check on......

Stop Chicago Athletic Debt Harassment

Is Chicago Athletic Club harassing you over a debt? Is Chicago Athletic Club placing robocalls to you or sending you unsolicited text messages? You have rights under state and federal laws! We will aggressively enforce the law to stop this harassment. Not only will we stop the harassment, but you may be entitled to money damages, too. Finally, you won’t have to pay ......

Stop HouseHold Bank Debt Harassment

Is HouseHold Bank harassing you over a debt? Is HouseHold Bank placing robocalls to you or sending you unsolicited text messages? You have rights under state and federal laws! We will aggressively enforce the law to stop this harassment. Not only will we stop the harassment, but you may be entitled to money damages, too. Finally, you won’t have to pay us a dime for our......

Student Loan Debt And Bankruptcy Changes

Student Loan Debt And Bankruptcy ChangesStudent loan debt in the U.S. stands at over $1 trillion; the crushing weight of this debt on people and families has finally prompted possible legislation to ease the restrictions on discharging student loan debt in bankruptcy court. Bankruptcy started out as a venue for people to start over financially, by discharging debts and easing the stres......

Stop Neiman Marcus Debt Harassment

Is Neiman Marcus harassing you over a debt? Is Neiman Marcus placing robocalls to you or sending you unsolicited text messages? You have rights under state and federal laws! We will aggressively enforce the law to stop this harassment. Not only will we stop the harassment, but you may be entitled to money damages, too. Finally, you won’t have to pay us a di......

C & P Collections Ltd

Are you being harassed by C & P Collections Ltd over a debt? Stop the harassment and get money, all without paying for our services. You are protected under the Fair Debt Collection Practices Act (FDCPA), whether or not you owe the debt.The FDCPA has protected consumers since 1977. This federal law protects you from unfair or abusive debt collection practices through clear rules about what ......

C & C Service Corp

Are you being harassed by C & C Service Corp over a debt? Stop the harassment and get money, all without paying for our services. You are protected under the Fair Debt Collection Practices Act (FDCPA), whether or not you owe the debt.The FDCPA has protected consumers since 1977. This federal law protects you from unfair or abusive debt collection practices through clear rules about what deb......

Warning Signs of Bad Debt

There is “good” debt, and then there is “bad” debt. “Good” debt is relatively common and based on essential parts of our lives, such as student loans and mortgages, while “bad” debt can stem from a variety of sources and often involves paying large amounts of unnecessary interest which could have been avoided. Your debt should be manageable and planned for, but when it grows out of control due ......

Get a Free Credit Report

The information in your credit report is used to evaluate your application for credit, insurance, employment, and renting a home. Your credit report contains information about where you live, how you pay your bills, whether you’ve been sued or arrested, and whether you’ve filed for bankruptcy. Therefore, you should be sure the information is accurate and up to date. Additionally, monitoring you......

DA Lamont Public Adjusters

Are you being harassed by DA Lamont Public Adjusters over a debt? Stop the harassment and get money, all without paying for our services. You are protected under the Fair Debt Collection Practices Act (FDCPA), whether or not you owe the debt.The FDCPA has protected consumers since 1977. This federal law protects you from unfair or abusive debt collection practices through clear rules about what......

Dakota Claims Service

Are you being harassed by Dakota Claims Service over a debt? Stop the harassment and get money, all without paying for our services. You are protected under the Fair Debt Collection Practices Act (FDCPA), whether or not you owe the debt.The FDCPA has protected consumers since 1977. This federal law protects you from unfair or abusive debt collection practices through clear rules about what debt......

Credit Card Charge Offs On The Rise

Credit Card Charge Offs On The RiseOn February 19, 2013, the U.S. Federal Reserve reported that charge-offs of credit card accounts among its member banks increased more than five percent in the fourth quarter of 2012, which is the first time aggregate charge-off rate for cards has grown in a year and a half. In the same fiscal quarter, credit card delinquencies reached an all-time low.The aver......

Second Round, LP

Are you being harassed by over a debt? Stop the harassment and get money, all without paying for our services. You are protected under the Fair Debt Collection Practices Act (FDCPA), whether or not you owe the debt.The FDCPA has protected consumers since 1977. This federal law protects you from unfair or abusive debt collection practices through clear rules about what debt collectors may and m......

Federal Trade Commission Increases Enforcement Of FDCPA

Federal Trade Commission Increases Enforcement Of FDCPAIn the last year, the Federal Trade Commission has stepped up its enforcement of the Fair Debt Collection Practices Act, acting on seven major debt collection cases; this information, and much more, came in the FTC's annual letter to the Consumer Financial Protection Bureau. The FTC and the CFPB ......

North East Recovery Solutions

Are you being harassed by over a debt? Stop the harassment and get money, all without paying for our services. You are protected under the Fair Debt Collection Practices Act (FDCPA), whether or not you owe the debt.The FDCPA has protected consumers since 1977. This federal law protects you from unfair or abusive debt collection practices through clear rules about what debt collectors may and m......

Common Chapter 7 Bankruptcy Questions, Pt. 1

Chapter 7 bankruptcy can be a complex process, but with the help of an experienced Chapter 7 bankruptcy attorney, you can successfully eliminate certain debts and get your finances back in order. Here are some common questions about Chapter 7:     - Can spouses file jointly for Chapter 7? – A husband and wife c......

The Importance of Full Disclosure in Bankruptcy

If you are filing for Chapter 7 bankruptcy, it is of the utmost importance that you are entirely open and honest with your bankruptcy attorney. No matter what your financial circumstances may be, full disclosure is always necessary so the best decisions can be made for your financial future.For example, the bankruptcy petition filed with the U.S. Bankruptcy Court is based on information provide......

Navient Changes Course, Denies Accountability to Borrowers

For years, Navient’s chief executive John Remondi has stressed the company’s commitment to assisting student loan borrowers. “At Navient, our priority is to help each of our 12 million customers successfully manage their loans in a way that works for their individual circumstances,” he said as recently as March 20th of this year.However, amid widespread accusations of unlawful conduct and a mas......

Navient and Sallie Mae Targeted for Subprime Loans

The attorneys general in 29 states, led by those of Illinois and Washington, are seeking to have private loans forgiven for borrowers who have been victimized by Navient and/or its parent company, Sallie Mae.“These loans were designed to fail,” says Shannon Smith, who oversees the consumer protection division of the Washington (state) attorney general’s office, in reference to private subprime ......

Genesis Credit

Are you being harassed by over a debt? Stop the harassment and get money, all without paying for our services. You are protected under the Fair Debt Collection Practices Act (FDCPA), whether or not you owe the debt.The FDCPA has protected consumers since 1977. This federal law protects you from unfair or abusive debt collection practices through clear rules about what debt collectors may and m......

Common Chapter 7 Bankruptcy Questions, Pt. 2

If you’re considering filing for Chapter 7 bankruptcy, you may have a variety of questions about the process and how it will affect you and your finances. Here are some more common questions and concerns about Chapter 7:     - What are secured creditors? – These are creditors which have valid liens or mortgages......

Legal Claims Against Navient and Sallie Mae

Navient, the nation’s largest servicer of both private and federal student loans (serving over 12 million accounts and over $300 billion in student debt), and its former parent company, Sallie Mae, are being sued by the Consumer Financial Protection Bureau for unfair and unlawful student loan practices. Here is a rundown of the eight major claims against Navient and Sallie Mae:- Incorre......

Christopher Manning Associates

Are you being harassed by Christopher Manning Associates over a debt? Stop the harassment and get money, all without paying for our services. You are protected under the Fair Debt Collection Practices Act (FDCPA), whether or not you owe the debt.The FDCPA has protected consumers since 1977. This federal law protects you from unfair or abusive debt collection practices through clear rules about ......

Navient in regards of my student loans

I have contacted Navient in regards of my student loans and the interest over the years have made the loans substantially unfordable to repay. Due to unemployment and caring for my children while my spouse served the military and Federal government, I have not been able to repay a monthly amount that is equivalent to a home mortgage payment. This payment was u......

3 student loans with Navient

I have 3 student loans with Navient. My account number is 9098993057. Sallie Mae has agreed to report all payments and loans to each credit bureau, however they are not. They report the loan in the amount of $4,160 to all 3 bureaus. They report the loan in the amount of $731 to all 3 bureaus. However, the third loan, in the amount of $2,569 is only being repor......

While attempting to make my student loan payment

1/16/13 - While attempting to make my student loan payment for the month of January, 2013 in the amount of $276.06 I unwittingly posted a payment for twice the amount ($552.12) through their 1-click payment option. After seeing this I immediately called and spoke to a representative (8:57AM EST - 25 minutes). During the call the representative posted a new payment in the correct amou......

Christopher & Brummet Inc

Are you being harassed by Christopher & Brummet Inc over a debt? Stop the harassment and get money, all without paying for our services. You are protected under the Fair Debt Collection Practices Act (FDCPA), whether or not you owe the debt.The FDCPA has protected consumers since 1977. This federal law protects you from unfair or abusive debt collection practices through clear rules about w......

Chrebet Associates

Are you being harassed by Chrebet Associates over a debt? Stop the harassment and get money, all without paying for our services. You are protected under the Fair Debt Collection Practices Act (FDCPA), whether or not you owe the debt.The FDCPA has protected consumers since 1977. This federal law protects you from unfair or abusive debt collection practices through clear rules about what debt co......

Choicedata Equifax

Are you being harassed by Choicedata Equifax over a debt? Stop the harassment and get money, all without paying for our services. You are protected under the Fair Debt Collection Practices Act (FDCPA), whether or not you owe the debt.The FDCPA has protected consumers since 1977. This federal law protects you from unfair or abusive debt collection practices through clear rules about what debt co......