student loan call

This company must still be doing this. My father and I both received calls today. I called back and was told they were giving me a special deal for financial and medical hardships. If I pay 2600 by tonight or 5300 by next week I won't have 4 criminal charges filed against me including check fraud. A civil case, a fire sale of my property, wage garnishment, and suspension of my drivers license and medic certification. Glad I looked before my family helped me pay it. What scum! I've tried to make payment arrangements with the college network and credit union and they refuse! This lady today promised if I payed the money tmrw my loan would be considered payed off and I could continue my degree. Really? Wow!

I continually receive phone calls from this number and have never answered it. This is annoying as I am usually working when they call. They call every day and I want them to stop!

If you live near a small town as I do, answer as an official person.  By answering S'ville Police Dept. I'm not violating any laws as there is no such thing.  They "normally" don't call back.  But thanks to all for the info on these a*****es!

Did you know it is illegal to ,make threats - arrest, lose of drivers license, etc.  Only a judge can grant a garnishment order.

Debt is also CIVIL - not criminal.  The police are not coming.  Pay now - SCAM!!

They refused to accept the college & credit union payments??  That should tell you all you need to know about this "company".

I dont understand it either i paid off my loan and have a reciept and now i have a outstanding balance of $81 a mo which is 11 months past due which would be $800+ they say on Credit Karma i owe $7000 and sending to gov is it a scam or not??? Im worried i wont see my income tax at all

Is credit karma a scam too?

If you paid off the loan and have the receipt, then that is that.  Are you saying that Credit Karma is claiming you owe the money?  Or are they trying to collect it?  Credit karma is not a good organization to deal with.  They have had government action taken against them.
Credit Karma
Note that there is no physical address on their web site.  They want you to input all your financial information.
Now for the even worse news.  The BBB gives them a B rating with 239 complaints and an alert.  It seems these company was brought up on charges by the FTC for having lax security at their web site.  In other words, they could be hacked by a 1 year old.
http://www.bbb.org/greater-san-francisco/busi ... cisco-ca-295805
Bizapedia lists the owner and that this is a Delaware Corporation:  http://www.bizapedia.com/ca/CREDIT-KARMA-INC.html
Copy of the FTC complaint:
http://www.ftc.gov/system/files/documents/cases/140328creditkarmacmpt.pdf
I would check with the original loan servicing company.  In addition, you may get some help from your State Attorney General's Office and the CFPB here:  http://www.consumerfinance.gov/

Yes on credit karma it showed with the clc i owed money but i paid off my loan it says on credit karma i owe 7000 and it has been sent to fed gov for collection

Is there a safe way to check credit report to see if its a true mark on credit?

Yes.  the Federal government has mandated that you are allowed 1 free credit report each year.  You can go here and enter the information requested.  This is the official site:  https://www.annualcreditreport.com/index.action
This information can be verified at the ftc.gov site:  http://www.consumer.ftc.gov/media/audio-0029- ... creditreportcom

Julia,

FYI, you cannot record a call legally if it crosses state lines unless you either notify them up front that you are recording the conversation OR if you have a message tone that beeps in specific intervals during the call.  There are also contingencies regarding recordings based upon state law; however, even if your state has a one-party notification allowance (you can record privately) interstate calls do not fall within that statute.  You must give notification or the interval tones for interstate calls regardless of state laws.  Furthermore, the FCC requires that any recording device must be removable in order to be legal.  One final note, many states including my own make it a felony to play a recorded conversation to anyone other than courts or law enforcement agencies even if it was recorded legally.  In my state, there is a 10-year prison sentence for that even though we have a one-party notification which allows for legally recorded conversations in private.  So there are some legalities that should be known first.  I agree, that the conversations should be recorded, but there are multiple laws involved at the Federal and state levels that need to be weighed in too.

Try again..

http://www.dmlp.org/legal-guide/recording-phone-calls-and-conversations

Obviously you have failed the BAR exam numerous times.  And I am not talking about how many shots you can put away at the local watering hole.

It should also be pointed out that you are allowed 1 free report per credit reporting company (Equifax, Experian and Transunion) per year.  You can request all at once, but it is better to stagger your requests by four months requesting from a different company each time (for example, Equifax in January, Experian in May and Transunion in September).  That way you do not get just a single snapshot of your credit status once a year, but end up with several covering different times during the year, to help catch any problems sooner.