877-672-9950

Many of the things you said just can’t be true:

For example"  

1. "All (calls) were received before 8am and another was received as early as 6:15am on Sunday morning!"   THERE IS NO WAY THIS COULD HAPPEN, UNLESS YOU HAVE A PHONE NUMER FROM ONE TIME ZONE AND LIVE IN ANOTHER. SAY YOU HAVE A NEW YORK PHONE NUMBER AND MOVE TO CALIFORNIA.  THE COMPUTER THINKS YOU LIVE IN NEW YORK.   THE PHONES ARE PROGRAMED TO REFUSE TO MAKE CALLS OUTSIDE OF 8 AM TO 9PM IN ANY PARTICUALR TIME ZONE.  EVEN IF A BORROW WANTED TO BE CALLED AT 7AM BEFORE THEY WENT TO WORK THE PHONES WONT DO IT.  


2) While at work I also received a phone message from a family member saying that GRC had contacted them. GRC not only disclosed the dollar amount that I owed, but that I was delinquent and they inferred she would be responsible if they were unable to get a hold of me.

A.    WHEN PEOPLE TAKE OUT STUDENT LOANS THEY MUST GIVE REFERENCES TO CONTACT IN CASE THERE ARE ANY PROBLEMS IN THE FUTURE AND YOU CAN’T BE REACHED.   YOU GAVE THE GOVRNMENT AND COLLECTION AGNECIES PERMSSION TO CONTACT THSESE PEOPLE WHEN YOU ACCEPTED THE LOAN!!!!

B.    MANY PEOPLE WHO DONT PAY THEIR STUDENT LOANS ALSO DONT PAY THEIR RENT OR THEIR PHONE BILLS.  SO FREQUENT ADDRESS CHANGES AND PHONE DISCONNECTS ARE THE NORM.  WHEN YOU SIGN FOR A STUDENT LOAN YOU AGREE TO ABIDE BY REPAYMENT TERMS.  THAT INLCUDES NOTIFYING YOUR LENDER IF YOU MOVE OR CHANGE YOUR PHONE.   IF YOU DON’T WANT TO LIVE WITH THIS, DON’T TAKE OUT STDUEN LOANS. IT’S THAT SIMPLE.    WHEN PEOPLE DON’T PAY THEIR STUDENT LAONS THEY TAKE FUNDS THAT WOULD OTHERWISE BE AVAALBLE TO HELP OTHER STUDENTS AND THEY DRIVE UP OUR TAXES.

C.    99% OF PEOPLE WHO WORK AT GRC ARE POLITE PEOPLE WHO FOLLOW FTC RULES TO A “T”.  THE PHONES ARE HEAVILY AND CONTINUOUSLY MONITIRED AND RECORDED.   IF ANYONE AT GRC DARED SAY SOMETHING NASTY THEY WOULD BE FIRED ON THE SPOT!!   GRC EMPLOYEES ARE JUST LIKE YOU. THEY HAVE BILLS TO PAY, KIDS TO FEED,   AND GAS TO BUY.   MANY HAVE HAD THEIR OWN FINCANCAIL PROBLEMS, BANKRUPTCIES,   ETC IN THE PAST.    AS LONG AS YOU ARE REASONABLY POLITE AND HONEST 99% OF THEM WILL WORK WITH YOU TO SET UP A REAPYMENT PLAN YOU CAN AFFORD, OR OFFER HARDSHIP PROGRAMS  FOR THOSE  WHO REALLY CANT PAY (EG: ON WELFARE, HOMELESS, ETC) .

D.    BY FEDERAL LAW A COLLECTOR CAN CALL YOUR REFERNCES AND ANYONE THEY HAVE REASON TO BELIEVE THE PERSON COULD HELP CONTACT YOU.  (GIVE YOUR NEW PHONE/ADDRESS, TAKEA MSG, ETC).    IF A PERSON SAYS DON’T CALL BACK THAT IS NOTED IN THE FILE AND ABIDED BY.  

E.    IT IS AGAINST THE LAW FOR A COLLECTOR TO TELL ANYONE OTHER THAN YOUR SPOUSE OR YOUR ATTORNEY (IF YOU ARE REPRESENTED) THAT YOU HAVE A   DEFAULTED STUDENT LOAN OR DON’T PAY THEIR BILLS.     IF A COLLECTOR   DID WHAT YOU SAID THEY WOULD BE FIRED ON THE SPOT. I DON’T KNOW ANYONE WHO WOULD BE THAT STUPID.  THEY MAY ONLY SAY THAT YOU GAVE THEIR NAME AS A RERERENCE AND CONTACT PERSON (YOU DID THAT WHEN YOU TOOK OUT THE LOAN!!!) AND WE CAN’T REACH YOU NOW.    THE ONLY THING A COLLECTOR CAN SAY IS THEY NEED TO CONTACT YOU REGARDING A BUSSINESS MATTER AND CAN’T REACH YOU.  THE OPTION IS TO GET WORKING PHONES AND ADDRESSES OR GET MESSAGES TO YOU BEFORE YOU GO FURHTER DOWN THE ROAD, RUIN YOUR CREDIT,   AND POSSIBLY END UP BEING GARNISHEED,   ETC.  

THE MOST IMPORTANT THING IS TO ALWAYS CONTACT ANY CREDITOR IF YOU CAN’T PAY A BILL.  THAT IS TRUE FOR ANY CREDITOR.   MAKE ARRANGMENTS; DON’T IGNORE THE CALLS AND LETTERS. AND ASK FOR HARDSHIP PROGRAMS SUCH AS THE WILLIAM D FORD PROGRAM IF YOU ARE TRULY UNABLE TO PAY (EG: ON WELFARE, HOMELESS, ETC). AND IF YOU DON’T LIKE A COLLECTORS BEHAVIOR OR WANT TO COMPLAIN ASK FOR THEIR SUPERVISOR. EVERBODY HAS ONE.   AND THE CALLS ARE REALLY MONITORED   AND/OR RECORDED, WHICH PROTECTS YOU AND THE COLLECTOR.

Kathy