student loan call

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.

We're ever so grateful you've swooped down on Julia the site owner's remarks from 2.5 years ago to make corrections on a point she *never discussed*. In fact, no comment on the entire first page mentions telephone recording or consent issues.

I don't think I go six weeks without seeing both unprompted and misleading lectures in wiretap law within a debt collection thread. I will hold my speculation as to why these Nervous Nellies discourage gathering the kind of clear evidence of lawbreaking which so often becomes very useful if not critical to law enforcement, regulators, attorneys general, and consumer litigants.

Once more with feeling ... Federal law allows "single party consent" by default, most states mirror that allowance, and there is no clear guidance on how state and county courts are likely to resolve disputes of controlling law regarding the recording of interstate phone calls. From my view the principal issues are expectation of privacy, the initial intended use of the recording, and determining which party in which state suffers the most harm from the recording. I also note that the ones screaming "wiretap" the loudest all want to bury whatever the recording reveals, something usually worse than the allegedly criminal act of capturing or revealing the recording.

One more time I review that in August 2010 a Second Circuit appellate court decided that a losing Wiretap Act defendant "must have the intent to use the illicit recording to commit a tort of crime beyond the act of recording itself". My own state law has pretty much the same language. It says that *making* a recording is not the problem, but its use and purpose. The recording passes when you are a party to the conversation *OR* when a party gives consent to be recorded. Recording or disclosing the call content becomes illegal when you're outside the loop and/or eavesdropping in secret. *THAT* kind of interception is a "wiretap". Recording something *in which you participate* merely to protect an already legal right IS NOT a "wiretap". Stealth recording is not itself a criminal offense unless your goal is to commit another crime or injury.

Now, does some other state law potentially endanger a person who is legally recording without disclosure? Sure it could, but the majority opinion I see bends away from punishing individuals who are *not trying to victimize* another person or company and in fact aim to prevent or correct some harm done to them or someone they care about.

The FCC requirements for interstate consent and "beep tones" apply directly to *carriers only*, which are then expected to police their customers who make stealth recordings. The only available penalty to an individual is revocation of service. Big whoop ... If my carrier cannot support my otherwise perfectly legal defense of my rights, I'd rather pay a monthly bill to a company that will.

Below I've linked to prior onsite discussion of phone recording consent, so we don't need to drag this thread away from the topic of fraudulent student loan debt collectors, a breed totally begging to be carefully recorded and widely exposed:

https://800notes.com/forum/ta-8d7dd66f17b0340/some-interesting-info
https://800notes.com/forum/ta-83a9080a2c61697 ... 831685243476208
https://800notes.com/forum/ta-3cc0be064ac04b8 ... 048715965495068

This is happening to me..right now. I got a call from Terence Mitchell stating that to call him back on a pending legal matter in my county. Their office is located in Texas..I live in Florida.. The debt is supposedly from Everest college for a term that I did not attend. I had signed up and right at the beginning of term...had a death in the family.. I never attended a class but signed out a day late for the withdrawal time. I did go straighten this out with the Senior Financial Officer...or so I thought..now 4 years later I get a call from Williams Rush and Associates saying they are going to garnish my wages.. I told Mr. Mitchell good luck with that...I make just enough to get by..I was transferred to a very unpleasant woman namercMrs. Payton ..this woman is a TRUE cols hearted [***]!!! She said to me if I paid 861 00 up front and made payment arrangements they would not garnish my wages for up to 35% of my check ...I told this lady that I have 4.00 in my bank account...I don't have any money...the response was that I was urged to ask family or friends for help.
I told her no way..im not borrowing money I can't repay.. I was then told they were filing the paperwork for wage garnishment right away.  I called back trying to get the dates of this supposed debt....no response...called back again to ask them to send me all there credentials as attorneys..no response..what does that tell you?