My name is Colleen F. I am having a very hard time with DCS due to the fact that my school loan account was turned over to them. About 18 months ago, I became homeless with my family (3 daughters, son, and 2 wk old granddaughter). I was living shelter to shelter, and had no means of a steady address, and no money for a P.O. box.

In October 2009, I received a letter stating that my school loans had went into default, and they wanted to help me with a payment plan to get tham back on track. They gave me an option that I was unable to accept, and I explained the situation to them about becoming homeless, and until then, my loans we up to date and being deferred accordingly with my loan company.I also explained to her that I am unemployed and recieve only $240 a week, and that with rent, electric, gas, and other expenses with my children, I had not been able to make any payment plan, and that I usually file my taxes in Febuary, and that I aould make a large lump some payment at that time. She told me that that was NOT an option being that my social security number and name have been submitted to intercept my tax refund for the year 2010. I was upset and crying because my tax refund was my means of money to get through the first few months of the year, being I could barely make it on umemployment, and was not eligible for any assistance. The woman on the phone told me that it was not their problem, and that they coulod provide me with another option for hardship situations. I was then told that the only thing they could possibly do to help me was, make a payment plan of $292 a month, for approximately 9 months, and that my loans would POSSIBLY come off the tax offset hotline.

They continually call me and ask the same questions about the offer of $292 at the time of that particular phone call, and monthly payments of $292. I asked several times if I could mail in a little bit at a time, and the representitve continually tells me no, and that they bare going to document that I am aware of this debt, and refuse to make any payments.

If somebody could please help me, please let me know if it is possible to get the loans out of default, or of any other known options that are out there.

I don't understand how DCS still intercepts your tax refund after you have payment plans set up with them and pay diligently without fail! As hard as times are, why is it that NO ONE seems to care that services like this are putting the poor people in even worse shape!!! I could see if you didn't have a payment plan or wasn't paying like you should be but that's NOT the case.
What's REALLY wrong with this picture!!! Something has to be done!!!

I just received my umpteenth call for someone named "Joshua Myers." I have no idea who this person is. At first it was non-stop calling from a Student Loan Company. Now it is from "Diversified, " but the guy calling wouldn't tell me what "Diversified" was, nor would he tell me why he wanted to talk to "Josh." I told him there was never a "Josh" here, never would be, I never knew any "Josh." I asked him how he got this number. "Josh gave it to us." I found the guy to be uncooperative, deceitful. He never gave up and still would not give me any information. I finally hung up. BTW, I told Student Loans to take his name off of my number (I do have a Student Loan, and I am on top of it).

Diversified has contacted my dad who is very ill with cancer and continues to harrass him, my father-in-law and myself. They stated they would refinance my loan for $50 a month but upon receiving the papers, there was no mention of this and they stated they did not have to put that information on there and in the next sentence stated it was on there. They were asked to make all contacts by writing and they said they did not have to. I asked for the address to request them to stop calling and they told me to find it myself. So I did. And so the saga continues...

The Company is calling My Husband at work&It almost got him fired! But it was an answering machine or a automated call! 1st of all that is illegal too!